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Cheapest Lexus IS Car Insurance (Feb 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Lexus IS
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Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How much does Lexus IS car insurance cost? 

On average, Lexus IS drivers spend $120 each month on state minimum car insurance and $312 per month for full coverage. Compared to other popular cars like the
Oldsmobile
88
,
Fiat
500
, and
Hummer
H3
, the Lexus IS is slightly more expensive to insure. 
However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Lexus IS insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes.

Compare the cheapest Lexus IS car insurance quotes

Comparing quotes may feel complicated, but it doesn’t have to be.
Jerry
is a
car insurance price comparison
tool that helps you to easily compare quotes, saving you time and money. 
Check out the table below to see real, free quotes that real people have gotten from Jerry.
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
February 26, 2024
Lexus ISAAA
$61
• 50,000/100,000 Liability
February 24, 2024
Lexus ISProgressive
$78
• 100,000/300,000 Liability
coverageLast Updated Feb 26, 2024
However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Lexus IS, you’ll need to
get car insurance quotes
from at least three insurance companies.
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Real Insurance Agents
Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).
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Real Insurance Quotes
Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.
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Real Insurance Companies
We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

The best car insurance companies for Lexus IS owners

There’s no single best insurance company for all Lexus IS owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to
calculate your premiums
But that doesn’t mean we can’t find the best insurance company for you
Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Lexus IS?

The average cost of Lexus IS insurance is $206 per month for full coverage and $103 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more. 
Car
Average Full Coverage Insurance Cost
Average State Minimum Insurance Cost
Lexus IS
$312
$120
  • Minimum coverage insurance
    is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance. 
  • Full coverage insurance
    provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.
While knowing auto insurance averages can be useful, getting personalized quotes is
the best way to shop for insurance
. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies. 
Check out the table below to see the average cost of auto insurance for some popular Lexus IS trims.
CarMonthly minimum coverage costMonthly full coverage cost
IS Lexus
$196
$387
IS Lexus 200T
$124
$225
IS Lexus 250
$99
$197
IS Lexus 300
$112
$204
IS Lexus 350
$95
$210
IS Lexus 350 F-Sport
$112
$234
Lower my car insurance too!

Are Lexus ISs expensive to insure? 

The average Lexus IS insurance rate is $103 per month. Compared to the national average for other models from a similar price range, it is 3% more expensive to insure a Lexus IS .
CarMonthly minimum coverage costMonthly full coverage cost
Lexus IS
$103
$206
Acura RDX
$93
$173
Dodge Neon
$90
$144
GMC Envoy
$86
$149
Ram ProMaster
$110
$206
Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Lexus IS safety ratings

Insurance companies also consider the safety ratings of a particular car to determine insurance premiums. 
The two best-known vehicle safety rating organizations are:
  • Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash, and how well the technology in the vehicle can prevent or reduce the severity of crashes.
  • National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side and rollover crash tests. 
See the tables below for a detailed look at safety ratings for the Lexus IS.

Insurance Institute for Highway Safety (IIHS) Rating

Rating typeRating
Headlights (varies by trim/option)
Good/Average depending on trim/option
Front crash prevention: vehicle-to-vehicle
Superior
Front crash prevention: vehicle-to-pedestrian (day)
Superior

What other factors affect Lexus IS insurance rates?

Many factors influence your
car insurance rate
, such as:
  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Lexus IS insurance cost for young drivers

Teen drivers
between the ages of 16 and 19 face the highest insurance costs out of any age group—but insurance costs will stay young for new drivers until they reach the age of 25. For young car owners driving a newer car, full coverage insurance offers better financial protection, since there’s an increased risk that an inexperienced driver will get into an accident.
On average, Lexus IS drivers between the ages of 18 and 21 pay around $267 a month for minimum liability insurance and about $737 a month for full coverage.

Lexus IS insurance cost for drivers with driving violations 

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.  
If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Lexus IS drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1–5 MPH over the limit or 6–10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit. 
Here’s what Lexus IS drivers pay on average after a speeding ticket:
Speed
Average cost of insurance
1–5 MPH over limit
$162
6–11 MPH over limit
$256
11–15 MPH over limit
$262
16+ over limit
$298

Cheapest car insurance for Lexus IS drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. 
You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped Lexus IS drivers save, even after a DUI violation.

Cheapest car insurance for Lexus IS drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history. 
If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. On average, drivers who are involved in an at-fault accident will see their insurance costs go up by 40% or more.

Cheapest car insurance for Lexus IS drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase. 
We’ve compiled a list of various other driving violations and how they impact car insurance rates for drivers with a Lexus IS.
Violation
Average cost of insurance
Failure to yield
$159
Failure to stop
$174
Improper cell phone use
$196
Driving on suspended license
$203
Improper passing
$248
Failure to obey signal
$298
Following too closely
$301
Careless driving
$341

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle. 
  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your
    car insurance deductible
    is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can
    reduce coverage
    on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on. 
  • Bundle your insurance policies:
    Bundling your homeowners and auto insurance
    with the same company can amount to a lower overall bill. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

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Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. As a car owner herself, Amy is passionate about creating content that helps consumers navigate challenging and sometimes difficult processes relating to car ownership and achieve financial success in areas relating to cars.
A lifelong writer with over 10 years of experience as a freelance editor, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.