Understanding Auto Insurance Costs: Lexus IS 250 Edition

• Lexus IS 250 car insurance costs $2,204 per year (about $184 per month) for a full coverage policy.
• The IS 250 ranks 25^th out of 25 vehicles in the 2015 small luxury car class for auto insurance affordability.
• The cheapest Lexus IS 250 insurance can be found on the C Convertible trim level at an average cost of $1,708 per year.
• The IS 250 AWD F Sport Special Edition Sedan is the most expensive to insure at $2,364 per year.

How much does Lexus IS 250 insurance cost?

Ranked 25^th out of 25 vehicles in the small luxury car class, Lexus IS 250 car insurance rates average $2,204 a year for full coverage, or around $184 monthly. With the average small luxury car costing $1,848 a year to insure, the Lexus IS 250 could cost an estimated $356 or more on an annual basis.

The cost summary chart below illustrates average car insurance rates for a 2015 Lexus IS 250 using a range of driver ages and risk profiles.

The rate table below shows the average yearly and semi-annual policy costs, including a monthly budget estimate, for each Lexus IS 250 trim level.

The next table details average Lexus IS 250 insurance policy premiums for the 2013 to 2015 model years.

A few additional key data observations regarding the cost to insure a Lexus IS 250 include:

• Lower the cost of your policy by increasing deductibles. Increasing your deductibles from $500 to $1,000 could save around $292 per year for a 40-year-old driver and $564 per year for a 20-year-old driver.
• Low physical damage deductibles may be wasting money. Lowering deductibles from $500 to $250 could cost an additional $304 per year for a 40-year-old driver and $596 per year for a 20-year-old driver.
• Avoid accidents to save on insurance. Having a few at-fault accidents can really raise rates, to the tune of $3,196 per year for a 20-year-old driver and as much as $590 per year for a 60-year-old driver.
• Driving violations increase insurance rates. If you want the cheapest IS 250 insurance rates, it’s necessary to drive safe. A couple of minor blemishes on your driving record could raise policy rates by as much as $600 per year. Serious citations such as DUI/DWI and leaving the scene of an accident could raise rates by an additional $2,068 or more.
• Qualify for policy discounts to save money. Discounts may be available if the insured drivers take a defensive driving course, are senior citizens, work in certain occupations, are loyal customers, or many other policy discounts which could save the average driver as much as $376 per year on the cost of insuring an IS 250.
• Driver gender influences rates. For a 2015 Lexus IS 250, a 20-year-old male driver pays an average rate of $4,448 per year, while a 20-year-old female driver will pay $3,206, a difference of $1,242 per year. Women get significantly cheaper rates. But by age 50, male driver rates are $1,974 and female rates are $1,914, a difference of only $60.

How do Lexus IS 250 insurance rates rank?

The Lexus IS 250 ranks 25^th out of 25 comparison vehicles in the 2015 small luxury car segment for most affordable car insurance rates. The IS 250 costs an estimated $2,204 per year for full coverage car insurance, while the category average insurance cost is $1,848 annually, a difference of $356 per year.

When compared directly to other vehicles in the small luxury car class, auto insurance rates for a Lexus IS 250 cost $312 more per year than the Mercedes-Benz C300, $586 more than the Volvo S60, and $566 more than the Acura TLX.

The next table shows how average Lexus IS 250 insurance rates compare to other small luxury cars in America like the Audi A4, Lexus IS 350, and the BMW i3.