2020 Lexus IS 300 Car Insurance Calculator

Monitor in real-time how seemingly small changes impact the cost of insurance for a 2020 Lexus IS 300. Update factors like driving violations, coverage levels, and mileage driven to see their impact. Immediately discover if the choice you made raises or lower rates and why.

The average estimated car insurance premium for a 2020 Lexus IS 300 is $2,276 per year, or about $190 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

$2,276

Cost Per Month

$190

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 2020 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.

$2,276
Average Rate
Your Rate
$2,276

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 2020 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 2020 Lexus IS 300 is $2,276.

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.

2020 Lexus IS 300 Segment Comparison

The table below compares insurance rates for the 2020 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.

2020 Lexus IS 300 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$390
2Lexus RC 300$2,168-$108
3Mercedes-Benz SLC300$2,230-$46
4Lexus ES 350$2,238-$38
5Lincoln MKZ$2,248-$28
6Mercedes-Benz AMG CLA45$2,268-$8
7Jaguar XE$2,272-$4
8Lexus IS 300$2,276--
9Audi A3$2,316$40
10Cadillac CT5$2,354$78
11Audi S5$2,414$138
12Lexus GS 350$2,478$202
13Mercedes-Benz E350$2,488$212
14Lexus ES 300H$2,526$250
15Audi S4$2,550$274
16BMW 530i$2,558$282
17BMW 540i$2,582$306
18Mercedes-Benz CLA250$2,598$322
19Genesis G80$2,604$328
20Audi A6$2,614$338
21Mercedes-Benz E450$2,644$368
22BMW 430i$2,666$390
23Mercedes-Benz CLS450$2,700$424
24Jaguar XF$2,702$426
2020 Midsize Luxury Car Average$2,704$428
25BMW 440i$2,796$520
26Mercedes-Benz AMG C43$2,804$528
27Mercedes-Benz SL450$2,822$546
28Audi RS 5$2,838$562
29Audi S6$2,898$622
30Infiniti Q50$2,926$650
31BMW 530e$2,942$666
32Lexus GS F$3,016$740
33Mercedes-Benz AMG C63$3,056$780
34BMW M550i$3,110$834
35Mercedes-Benz SL550$3,136$860
36Tesla Model S$3,192$916
37Audi A7$3,236$960
38Lexus LC 500H$3,320$1,044
39Audi S7$3,444$1,168
40BMW M8$3,448$1,172
41BMW M5$3,494$1,218

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.

2020 IS 300 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Lexus IS 300 Insurance Rates by Trim Level
2020 Lexus IS 300 Trim Level Annual Premium Cost Per Month
Sedan$2,224$185
AWD$2,286$191
F Sport AWD$2,286$191
F Sport Sedan$2,286$191
Premium AWD$2,286$191
Premium Sedan$2,286$191

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 2020 Lexus IS 300 for different driver ages.

2020 Lexus IS 300 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,944$662
17$7,721$643
18$6,975$581
19$6,342$529
20$4,878$407
21$4,658$388
22$4,185$349
23$3,429$286
24$3,250$271
25$2,642$220
30$2,432$203
35$2,338$195
40$2,276$190
45$2,126$177
50$2,014$168
55$1,878$157
60$1,884$157
65$2,004$167
70$2,146$179
75$2,508$209
80$3,076$256

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.