Lexus IS 250 Insurance Rates
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UPDATED: Apr 27, 2024
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U.S. average insurance rates for a Lexus IS 250 are $1,502 a year with full coverage. Comprehensive insurance costs an estimated $362, collision costs $688, and liability insurance costs $316. Liability-only insurance costs as little as $376 a year, with high-risk driver insurance costing $3,252 or more. 16-year-old drivers pay the highest rates at $5,366 a year or more.
Average premium for full coverage: $1,502
Price estimates broken down by individual coverage:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different IS 250 trim levels.
Price Range from Low to High
For a 40-year-old driver, Lexus IS 250 insurance prices go from the low end price of $376 for a discount liability-only rate to a much higher rate of $3,252 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than congested cities.
The price range example below illustrates how your location can change insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below details estimated Lexus IS 250 insurance rates for other coverage scenarios.
- The best full coverage rate is $844
- Drivers who choose higher $1,000 deductibles will pay approximately $238 annually
- The estimated price for the average middle-age driver who has $500 deductibles is $1,502
- Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $464 a year
- High risk drivers with multiple tickets or accidents could pay up to $3,252 or more
- The price that insures a teen driver with full coverage can cost as much as $5,366 a year
Car insurance prices for a Lexus IS 250 are also quite variable based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you may be forking out $1,800 to $2,400 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 134% more than the average rate. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age
The state you live in makes a big difference in Lexus IS 250 insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or at least $2,030 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,358 | -$144 | -9.6% |
| Alaska | $1,152 | -$350 | -23.3% |
| Arizona | $1,244 | -$258 | -17.2% |
| Arkansas | $1,502 | -$0 | 0.0% |
| California | $1,712 | $210 | 14.0% |
| Colorado | $1,432 | -$70 | -4.7% |
| Connecticut | $1,542 | $40 | 2.7% |
| Delaware | $1,698 | $196 | 13.0% |
| Florida | $1,878 | $376 | 25.0% |
| Georgia | $1,386 | -$116 | -7.7% |
| Hawaii | $1,080 | -$422 | -28.1% |
| Idaho | $1,018 | -$484 | -32.2% |
| Illinois | $1,118 | -$384 | -25.6% |
| Indiana | $1,132 | -$370 | -24.6% |
| Iowa | $1,012 | -$490 | -32.6% |
| Kansas | $1,424 | -$78 | -5.2% |
| Kentucky | $2,048 | $546 | 36.4% |
| Louisiana | $2,222 | $720 | 47.9% |
| Maine | $928 | -$574 | -38.2% |
| Maryland | $1,242 | -$260 | -17.3% |
| Massachusetts | $1,198 | -$304 | -20.2% |
| Michigan | $2,608 | $1,106 | 73.6% |
| Minnesota | $1,258 | -$244 | -16.2% |
| Mississippi | $1,800 | $298 | 19.8% |
| Missouri | $1,332 | -$170 | -11.3% |
| Montana | $1,612 | $110 | 7.3% |
| Nebraska | $1,184 | -$318 | -21.2% |
| Nevada | $1,800 | $298 | 19.8% |
| New Hampshire | $1,084 | -$418 | -27.8% |
| New Jersey | $1,680 | $178 | 11.9% |
| New Mexico | $1,328 | -$174 | -11.6% |
| New York | $1,582 | $80 | 5.3% |
| North Carolina | $864 | -$638 | -42.5% |
| North Dakota | $1,230 | -$272 | -18.1% |
| Ohio | $1,034 | -$468 | -31.2% |
| Oklahoma | $1,540 | $38 | 2.5% |
| Oregon | $1,376 | -$126 | -8.4% |
| Pennsylvania | $1,432 | -$70 | -4.7% |
| Rhode Island | $2,002 | $500 | 33.3% |
| South Carolina | $1,360 | -$142 | -9.5% |
| South Dakota | $1,268 | -$234 | -15.6% |
| Tennessee | $1,314 | -$188 | -12.5% |
| Texas | $1,810 | $308 | 20.5% |
| Utah | $1,110 | -$392 | -26.1% |
| Vermont | $1,026 | -$476 | -31.7% |
| Virginia | $900 | -$602 | -40.1% |
| Washington | $1,158 | -$344 | -22.9% |
| West Virginia | $1,376 | -$126 | -8.4% |
| Wisconsin | $1,038 | -$464 | -30.9% |
| Wyoming | $1,336 | -$166 | -11.1% |
Opting for high physical damage deductibles could save up to $710 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from as many companies as possible. Every company utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus IS 250 4-Dr Sedan | $1,456 | $121 |
| Lexus IS 250 AWD 4-Dr | $1,502 | $125 |
| Lexus IS 250 C 2-Dr Convertible | $1,594 | $133 |
Rates assume 2024 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus IS 250 | $192 | $288 | $402 | $1,018 |
Rates are averaged for all Lexus IS 250 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Lexus IS 250 Insurance
Getting lower rates on Lexus IS 250 insurance not only requires avoiding accidents and claims, but also having a positive credit history, avoid buying unnecessary coverage, and not having any coverage lapses. Comparison shop every other policy renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.
The points below are a quick review of the ideas that were illustrated above.
- Drivers under the age of 20 have the highest car insurance prices, costing up to $447 a month if full coverage is purchased
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,750 more annually to insure a Lexus IS 250
- Increasing physical damage deductibles can save approximately $700 each year
- You may be able to save approximately $190 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,366 |
| 20 | $3,468 |
| 30 | $1,586 |
| 40 | $1,502 |
| 50 | $1,368 |
| 60 | $1,344 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,966 |
| $250 | $1,750 |
| $500 | $1,502 |
| $1,000 | $1,264 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,502 |
| 50/100 | $1,668 |
| 100/300 | $1,761 |
| 250/500 | $2,003 |
| 100 CSL | $1,706 |
| 300 CSL | $1,910 |
| 500 CSL | $2,059 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,710 |
| 20 | $5,516 |
| 30 | $3,344 |
| 40 | $3,252 |
| 50 | $3,098 |
| 60 | $3,070 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $82 |
| Multi-vehicle | $77 |
| Homeowner | $20 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $98 |
| Paid in Full/EFT | $75 |
| Advance Quote | $78 |
| Online Quote | $109 |
| Total Discounts | $658 |
Discounts are estimated and may not be available from every company or in every state.
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