Lexus IS 250 Insurance Rates

Average insurance prices for a Lexus IS 250 are $1,502 every 12 months including full coverage. Comprehensive insurance costs around $362 each year, collision costs $688, and liability insurance is estimated at $316. Buying just liability costs approximately $376 a year, with insurance for high-risk drivers costing $3,252 or more. Teenage drivers receive the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Rate estimates for individual coverage type:

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and IS 250 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below breaks down estimated Lexus IS 250 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $844
• Choosing higher $1,000 deductibles can save about $238 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,502
• Using low deductibles for comp and collision coverage costs an extra $464 a year
• High-risk insureds who are prone to accidents and violations could pay at least $3,252 or more
• The cost to insure a teen driver can be $5,366 each year

Auto insurance rates for a Lexus IS 250 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can save as much as $710 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,800 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 134% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lexus IS 250 insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,140 on average in Michigan, New York, and Louisiana.

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Affordable Lexus IS 250 Insurance

Saving money on Lexus IS 250 insurance takes being a low-risk driver, having a good credit score, not filing small claims, and maximizing policy discounts. Take the time to compare rates once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a brief review of the data that was covered in the above illustrations.

• You may be able to save up to $190 per year simply by quoting online in advance
• Drivers who may need more liability coverage will pay an extra $350 per year to raise limits from a minimum limit to a 250/500 level
• Teen drivers are expensive to insure, as much as $447 per month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,750 more every year to insure their IS 250