2016 Lexus IS 300 Car Insurance Calculator

Explore and understand how seemingly small changes impact the insurance cost for a 2016 Lexus IS 300. Tweak settings like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately if the decisions you make influence insurance rates.

The average estimated car insurance premium for a 2016 Lexus IS 300 is $1,792 per year, or about $149 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,792

Cost Per Month

$149

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus IS 300 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Lexus IS 300.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,792
Average Rate
Your Rate
$1,792

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Lexus IS 300 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Lexus IS 300 is $1,792.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Lexus IS 300 Segment Comparison

The table below compares insurance rates for the 2016 Lexus IS 300 against all other models in the midsize luxury car segment. The Lexus IS 300 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus IS 300, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus IS 300.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Lexus IS 300 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$174
2Acura ILX$1,686-$106
3Lexus IS 300$1,792--
4Volvo S80$1,834$42
5Mercedes-Benz C350E$1,842$50
6Lexus RC 300$1,856$64
7Audi A3$1,888$96
8Mercedes-Benz AMG CLA45$1,910$118
9Lincoln MKZ$1,914$122
10Lexus ES 300H$1,924$132
11Audi A6$1,936$144
12Mercedes-Benz CLA250$1,982$190
13BMW 528i$2,020$228
14Lexus GS 350$2,036$244
15Mercedes-Benz E350$2,062$270
16Audi S4$2,064$272
17Mercedes-Benz SLK55 AMG$2,068$276
18BMW 428xi$2,072$280
19Jaguar XF$2,084$292
20Cadillac ELR$2,090$298
21Mercedes-Benz C450 AMG$2,100$308
22BMW 428i$2,106$314
23Audi S5$2,116$324
24Hyundai Genesis$2,130$338
25BMW 528xi$2,138$346
26Infiniti Q50$2,144$352
27BMW 535xi$2,150$358
28BMW 435xi$2,174$382
29Mercedes-Benz E250$2,192$400
30Mercedes-Benz SL400$2,210$418
31BMW Active 5$2,218$426
32BMW 435i$2,224$432
2016 Midsize Luxury Car Average$2,227$435
33BMW 535d$2,250$458
34Mercedes-Benz E400$2,300$508
35BMW 535i$2,308$516
36Mercedes-Benz E550$2,320$528
37Audi S6$2,358$566
38BMW 550i$2,362$570
39Mercedes-Benz CLS400$2,436$644
40BMW 550xi$2,452$660
41Mercedes-Benz SL550$2,456$664
42BMW 640i$2,490$698
43Audi A7$2,504$712
44BMW 640xi$2,510$718
45BMW M5$2,518$726
46Audi S7$2,522$730
47Tesla Model S$2,590$798
48Mercedes-Benz S550E$2,594$802
49BMW 650xi$2,610$818
50Lexus GS F$2,622$830
51BMW M6$2,796$1,004
52Mercedes-Benz SL63 AMG$2,876$1,084
53Mercedes-Benz SL65 AMG$3,584$1,792

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 IS 300 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Lexus IS 300.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Lexus IS 300 Insurance Rates by Trim Level
2016 Lexus IS 300 Trim Level Annual Premium Cost Per Month
AWD Sedan$1,792$149

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Lexus IS 300 for different driver ages.

2016 Lexus IS 300 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,329$527
17$6,116$510
18$5,454$455
19$4,985$415
20$3,822$319
21$3,651$304
22$3,269$272
23$2,706$226
24$2,552$213
25$2,076$173
30$1,908$159
35$1,842$154
40$1,792$149
45$1,680$140
50$1,594$133
55$1,488$124
60$1,490$124
65$1,584$132
70$1,708$142
75$2,012$168
80$2,466$206

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus IS 300 trim levels.