2022 Lexus IS 300 Car Insurance Calculator

Discover how different driver and vehicle factors affect car insurance rates for a 2022 Lexus IS 300. Experiment with factors like coverage deductibles, age of the driver, policy discounts, and IS 300 trim level. Get instant feedback the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2022 Lexus IS 300 is $2,510 per year, or about $209 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

$2,510

Cost Per Month

$209

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 2022 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.

$2,510
Average Rate
Your Rate
$2,510

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 2022 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 2022 Lexus IS 300 is $2,510.

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.

2022 Lexus IS 300 Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 Lexus IS 300 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,968-$542
2Lexus RC 300$2,370-$140
3Mercedes-Benz AMG CLA35$2,424-$86
4BMW i4$2,438-$72
5Cadillac CT5$2,446-$64
6Audi A3$2,472-$38
7Mercedes-Benz AMG CLA45$2,482-$28
8Mercedes-Benz CLA250$2,494-$16
9Lexus ES 250$2,504-$6
10Lexus IS 300$2,510--
11Lexus ES 350$2,518$8
12Audi S5$2,596$86
13Audi S4$2,612$102
14BMW 530i$2,650$140
15Lexus ES 300h$2,660$150
16Genesis G80$2,674$164
17Mercedes-Benz E350$2,676$166
18BMW 530e$2,702$192
19BMW 540i$2,708$198
20BMW M440i$2,720$210
21Mercedes-Benz E450$2,732$222
22Audi A6$2,804$294
23Jaguar XF$2,812$302
2022 Midsize Luxury Car Average$2,819$309
24Lexus IS 500$2,846$336
25BMW 430i$2,876$366
26Mercedes-Benz CLS450$2,896$386
27Infiniti Q50$3,008$498
28Audi RS 5$3,040$530
29Mercedes-Benz AMG C43$3,060$550
30Audi S6$3,082$572
31Mercedes-Benz AMG C63$3,156$646
32Audi A7$3,252$742
33BMW M550i$3,282$772
34Lexus LC 500h$3,348$838
35Tesla Model S$3,408$898
36Audi S7$3,526$1,016
37BMW M8$3,656$1,146
38BMW M5$3,696$1,186

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.

2022 IS 300 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Lexus IS 300 Insurance Rates by Trim Level
2022 Lexus IS 300 Trim Level Annual Premium Cost Per Month
Sedan$2,462$205
AWD Sedan$2,556$213

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 2022 Lexus IS 300 for different driver ages.

2022 Lexus IS 300 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,912$743
17$8,648$721
18$7,775$648
19$7,068$589
20$5,422$452
21$5,173$431
22$4,636$386
23$3,799$317
24$3,592$299
25$2,916$243
30$2,678$223
35$2,576$215
40$2,510$209
45$2,344$195
50$2,218$185
55$2,070$173
60$2,076$173
65$2,214$185
70$2,390$199
75$2,804$234
80$3,454$288

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.