Lexus IS 300 Insurance Rates
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UPDATED: Jun 9, 2024
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Estimated insurance rates for a Lexus IS 300 are $1,486 a year including full coverage. Comprehensive costs on average $302, collision costs $574, and liability costs $452. A policy with only liability insurance costs as little as $504 a year, with a high-risk policy costing around $3,230. Teen drivers pay the most at $5,580 a year or more.
Average premium for full coverage: $1,486
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different IS 300 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lexus IS 300 go from as low as $504 for the bare minimum liability coverage to a much higher rate of $3,230 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how location helps determine car insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of using price 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.
Additional Rate Information
The chart below breaks down estimated Lexus IS 300 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $847
- Drivers who choose higher $1,000 deductibles will pay around $198 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,486
- Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,874
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,230 or more
- An auto insurance policy for full coverage for a teen driver with full coverage may cost $5,580 a year
Car insurance prices for a Lexus IS 300 also have a wide range based on your driving characteristics, the model of your IS 300, and policy deductibles and limits.
An older driver with no driving violations and high deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $5,500 a year. View Rates by Age
Where you choose to live makes a big difference in Lexus IS 300 insurance prices. A 40-year-old driver could pay as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,120 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,344 | -$142 | -9.6% |
| Alaska | $1,140 | -$346 | -23.3% |
| Arizona | $1,232 | -$254 | -17.1% |
| Arkansas | $1,486 | -$0 | 0.0% |
| California | $1,692 | $206 | 13.9% |
| Colorado | $1,418 | -$68 | -4.6% |
| Connecticut | $1,528 | $42 | 2.8% |
| Delaware | $1,682 | $196 | 13.2% |
| Florida | $1,860 | $374 | 25.2% |
| Georgia | $1,372 | -$114 | -7.7% |
| Hawaii | $1,068 | -$418 | -28.1% |
| Idaho | $1,004 | -$482 | -32.4% |
| Illinois | $1,108 | -$378 | -25.4% |
| Indiana | $1,118 | -$368 | -24.8% |
| Iowa | $1,002 | -$484 | -32.6% |
| Kansas | $1,412 | -$74 | -5.0% |
| Kentucky | $2,026 | $540 | 36.3% |
| Louisiana | $2,200 | $714 | 48.0% |
| Maine | $916 | -$570 | -38.4% |
| Maryland | $1,226 | -$260 | -17.5% |
| Massachusetts | $1,188 | -$298 | -20.1% |
| Michigan | $2,582 | $1,096 | 73.8% |
| Minnesota | $1,244 | -$242 | -16.3% |
| Mississippi | $1,780 | $294 | 19.8% |
| Missouri | $1,318 | -$168 | -11.3% |
| Montana | $1,594 | $108 | 7.3% |
| Nebraska | $1,172 | -$314 | -21.1% |
| Nevada | $1,782 | $296 | 19.9% |
| New Hampshire | $1,072 | -$414 | -27.9% |
| New Jersey | $1,662 | $176 | 11.8% |
| New Mexico | $1,316 | -$170 | -11.4% |
| New York | $1,564 | $78 | 5.2% |
| North Carolina | $856 | -$630 | -42.4% |
| North Dakota | $1,218 | -$268 | -18.0% |
| Ohio | $1,026 | -$460 | -31.0% |
| Oklahoma | $1,524 | $38 | 2.6% |
| Oregon | $1,362 | -$124 | -8.3% |
| Pennsylvania | $1,418 | -$68 | -4.6% |
| Rhode Island | $1,984 | $498 | 33.5% |
| South Carolina | $1,346 | -$140 | -9.4% |
| South Dakota | $1,254 | -$232 | -15.6% |
| Tennessee | $1,300 | -$186 | -12.5% |
| Texas | $1,792 | $306 | 20.6% |
| Utah | $1,100 | -$386 | -26.0% |
| Vermont | $1,016 | -$470 | -31.6% |
| Virginia | $890 | -$596 | -40.1% |
| Washington | $1,148 | -$338 | -22.7% |
| West Virginia | $1,362 | -$124 | -8.3% |
| Wisconsin | $1,030 | -$456 | -30.7% |
| Wyoming | $1,324 | -$162 | -10.9% |
Choosing high deductibles could save up to $590 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance can cost as much as 43% to 135% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Lexus IS 300 | $390 | $718 | $372 | $1,638 |
| 2023 Lexus IS 300 | $372 | $690 | $390 | $1,610 |
| 2022 Lexus IS 300 | $356 | $686 | $398 | $1,598 |
| 2021 Lexus IS 300 | $344 | $668 | $416 | $1,586 |
| 2020 Lexus IS 300 | $332 | $640 | $430 | $1,560 |
| 2019 Lexus IS 300 | $314 | $618 | $442 | $1,532 |
| 2018 Lexus IS 300 | $302 | $574 | $452 | $1,486 |
| 2017 Lexus IS 300 | $290 | $540 | $456 | $1,444 |
Rates are averaged for all Lexus IS 300 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 Lexus IS 300 Insurance
Finding better rates on car insurance not only requires being safe and accident-free, but also having above-average credit, refrain from filing small claims, and maximizing policy discounts. Invest time comparing rates at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief recap of the data covered in the charts and tables above.
- Policyholders who require more liability protection will pay about $500 per year to go from 30/60 bodily injury limits to 250/500 limits
- You may be able to save as much as $180 per year simply by shopping early and online
- Increasing policy deductibles can save around $575 each year
- Youthful drivers are expensive to insure, with the cost nearing $465 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,580 |
| 20 | $3,444 |
| 30 | $1,548 |
| 40 | $1,486 |
| 50 | $1,358 |
| 60 | $1,332 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,874 |
| $250 | $1,694 |
| $500 | $1,486 |
| $1,000 | $1,288 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,486 |
| 50/100 | $1,576 |
| 100/300 | $1,689 |
| 250/500 | $1,983 |
| 100 CSL | $1,622 |
| 300 CSL | $1,870 |
| 500 CSL | $2,051 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,974 |
| 20 | $5,490 |
| 30 | $3,298 |
| 40 | $3,230 |
| 50 | $3,084 |
| 60 | $3,058 |
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 | $80 |
| Multi-vehicle | $79 |
| Homeowner | $22 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $69 |
| Advance Quote | $75 |
| Online Quote | $106 |
| Total Discounts | $639 |
Discounts are estimated and may not be available from every company or in every state.
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