Compare Lexus IS 200T Car Insurance Rates: 2025 Edition

• The average Lexus IS 200T car insurance cost is $2,088 per year, or $174 per month for full coverage.
• As one of the more expensive small luxury cars to insure, the Lexus IS 200T costs $73 more per year on average to insure when compared to the other small luxury cars.

How much does Lexus IS 200T insurance cost?

Lexus IS 200T car insurance costs an average of $2,088 a year, or about $174 if paid each month. You can expect to pay around $73 more per year to insure a Lexus IS 200T compared to the small luxury cars average rate, and $133 less per year than the all-vehicle national average of $2,221.

The rate chart below shows how Lexus IS 200T insurance costs can differ with different ages of drivers and the policy deductibles.

The average rate for a $500 deductible policy for a 40-year-old driver is the rate we use for average cost comparisons, which is $2,088 per year, or $174 per month. For the same deductible level, cost ranges from $1,734 for a 60-year-old driver up to $4,168 for a 20-year-old driver.

The data below shows the average cost to insure a Lexus IS 200T for the 2016 and 2017 model years, and for rated drivers aged 20 to 60.

Other IS 200T car insurance rates

Additional key data observations about insuring a Lexus IS 200T include:

• Research policy discounts to lower the cost. Discounts may be available if the insureds insure their home and car with the same company, are senior citizens, are homeowners, drive a vehicle with safety or anti-theft features, are loyal customers, or other policy discounts which could save the average driver as much as $354 per year on their insurance cost.
• High-risk Lexus IS 200T car insurance is expensive. For a 40-year-old driver, having too many accidents or violations can increase the cost by $2,502 or more per year.
• Tickets and violations cost money. If you want the most reasonable price on IS 200T insurance rates, it’s necessary to drive conservatively. Just a couple of minor traffic violations could possibly raise policy rates by as much as $550 per year. Being convicted of a major violation like a DWI could raise rates by an additional $1,914 or more.
• As you age, auto insurance tends to get cheaper. The difference in 2017 IS 200T insurance cost between a 40-year-old driver ($2,088 per year) and a 20-year-old driver ($4,168 per year) is $2,080, or a savings of 66.5%.
• Lexus IS 200T insurance rates for teens are expensive. Average rates for full coverage IS 200T insurance costs $7,415 per year for a 16-year-old driver, $7,164 per year for a 17-year-old driver, $6,381 per year for an 18-year-old driver, and $5,833 per year for a 19-year-old driver.
• Policyholder gender affects insurance rates. For a 2017 Lexus IS 200T, a 20-year-old male will pay an average rate of $4,168 per year, while a 20-year-old female pays an average of $3,008, a difference of $1,160 per year in favor of the women by a long shot. But by age 50, the cost for male drivers is $1,854 and the cost for a female driver is $1,804, a difference of only $50.

Lexus IS 200T insurance cost compared

When rates are compared to other small luxury cars, car insurance rates for a Lexus IS 200T cost $218 more per year than the BMW 330i, $52 more than the Mercedes-Benz C300, and $202 more than the Volvo S60.

The Lexus IS 200T ranks 22^nd out of 26 total vehicles in the small luxury car segment for most affordable car insurance cost. The IS 200T costs an estimated $2,088 per year for a car insurance policy with full coverage and the segment median price is $2,015 per year, a difference of $73 per year.

The following chart shows how well average IS 200T insurance rates compare to the top 10 most popular small luxury cars like the Acura TLX, Audi A4, and the Lexus IS 350.

A more comprehensive data table is included after the chart detailing typical insurance rates for all 26 models in the small luxury car class.