2018 Lexus IS 300 Car Insurance Calculator

Observe in real-time how the choices you make impact the cost of insurance for a 2018 Lexus IS 300. Update factors like vehicle usage, gender of the driver, and marital status to learn how rates change. See instantly if the change you make results in cheaper or more expensive car insurance.

The average estimated car insurance premium for a 2018 Lexus IS 300 is $1,908 per year, or about $159 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

$1,908

Cost Per Month

$159

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 2018 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.

$1,908
Average Rate
Your Rate
$1,908

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 2018 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 2018 Lexus IS 300 is $1,908.

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.

2018 Lexus IS 300 Segment Comparison

The table below compares insurance rates for the 2018 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.

2018 Lexus IS 300 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$152
2Lexus IS 300$1,908--
3Lexus RC 300$1,992$84
4Mercedes-Benz SLC300$2,058$150
5Lexus ES 350$2,062$154
6Mercedes-Benz AMG CLA45$2,076$168
7Audi S5$2,114$206
8Audi A3$2,126$218
9Mercedes-Benz CLA250$2,136$228
10Mercedes-Benz C350E$2,146$238
11Lincoln MKZ$2,158$250
12Mercedes-Benz E300$2,162$254
13Lexus ES 300H$2,170$262
14Genesis G80$2,174$266
15BMW 430i$2,190$282
16Audi A6$2,212$304
17Audi S4$2,224$316
18Lexus GS 300$2,260$352
19Jaguar XE$2,262$354
20Lexus GS 350$2,282$374
21BMW 530i$2,288$380
22BMW 540xi$2,298$390
23BMW 540i$2,304$396
24BMW 440i$2,334$426
25Jaguar XF$2,354$446
26Mercedes-Benz AMG C43$2,410$502
27Mercedes-Benz SL450$2,430$522
28Mercedes-Benz E400$2,442$534
29Infiniti Q50$2,450$542
2018 Midsize Luxury Car Average$2,459$551
30BMW 530e$2,460$552
31Audi RS 5$2,490$582
32Mercedes-Benz AMG E43$2,500$592
33BMW 530xi$2,504$596
34BMW M550i$2,582$674
35Mercedes-Benz AMG C63$2,634$726
36BMW 640xi$2,642$734
37Audi S6$2,662$754
38BMW 640i$2,712$804
39Mercedes-Benz SL550$2,762$854
40Lexus GS F$2,772$864
41Tesla Model S$2,810$902
42Lexus LC 500H$2,834$926
43Audi A7$2,844$936
44BMW 650xi$2,848$940
45Audi S7$3,022$1,114
46BMW M5$3,034$1,126
47BMW M6$3,228$1,320
48Mercedes-Benz SL63 AMG$3,280$1,372
49Mercedes-Benz SL65 AMG$4,084$2,176

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.

2018 IS 300 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Lexus IS 300 Insurance Rates by Trim Level
2018 Lexus IS 300 Trim Level Annual Premium Cost Per Month
Sedan$1,880$157
AWD Sedan$1,936$161

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 2018 Lexus IS 300 for different driver ages.

2018 Lexus IS 300 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,625$552
17$6,446$537
18$5,831$486
19$5,297$441
20$4,078$340
21$3,896$325
22$3,502$292
23$2,867$239
24$2,718$227
25$2,216$185
30$2,042$170
35$1,962$164
40$1,908$159
45$1,782$149
50$1,686$141
55$1,574$131
60$1,578$132
65$1,678$140
70$1,796$150
75$2,090$174
80$2,564$214

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.