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for the Lexus IS

Are You Getting the Cheapest Car Insurance Available for a Lexus IS?

Illustration of Lexus IS

How Much Is Car Insurance for the Lexus IS?

The Lexus IS is a compact luxury sports car with turbo four-cylinder or V-6 power. It’s ideal for those seeking a stylish sports car with agile performance. To insure the Lexus IS, you can expect to pay around $1,236 annually for minimum liability auto coverage and $2,472 for full coverage.

Freeway Insurance offers affordable auto coverage options to meet your needs and budget. Our agents will work with you to identify the best insurance plan for your Lexus IS.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for the Lexus IS to Other Vehicles

Insurance rates for vehicles like the Lexus IS vary based on factors like the make, model, and safety profile of the car. Vehicles with advanced safety features and new technology generally cost more to repair. As a result, they’ll cost more to insure.

Make/Model Annual Full Coverage Insurance
Lexus IS $2,472
Lexus RX 350 $2,184
Saab 9-3 $2,148
Fiat 500 $1,872
Suzuki Grand Vitara $1,764
Acura RDX $2,544
Acura TSX $2,112
Mercedes-Benz GLE $2,508
Infiniti QX60 $2,496

Types of Car Insurance Coverage for the Lexus IS

When purchasing car coverage, there are different types of policies to choose from. The two most common types of insurance are minimum liability and full coverage policies.

State Minimum Liability

States set the requirements for the minimum liability insurance a driver must carry and this is included in a minimum liability policy. Suppose you wreck your Lexus IS, and another vehicle is involved. In that case, your liability insurance will help cover the costs of medical expenses for people injured in the other car, along with property damage to that vehicle up to a certain amount.

If costs exceed the amount your policy allows, you’ll be responsible for paying the remaining expenses out of pocket, plus your own expenses.

Full Coverage

As the name implies, full coverage combines liability, collision, and comprehensive insurance to more fully protect you and mitigate financial risks for both your vehicle and the other car if you crash. It can also cover damages to your vehicle if you’re in a single-car accident or for things like hitting a deer and a rock cracking your windshield.

Comprehensive covers the cost of expenses for damages unrelated to a vehicle crash. If your car is vandalized, for example, your comprehensive coverage kicks in to cover the damages.

Collision takes effect when you wreck your vehicle. It covers damages and injuries sustained, whether you caused the crash or another person did.

Individual Factors That Influence Pricing for the Lexus IS

Numerous variables impact the cost of your car policy. Some of the most common ones are highlighted below.

Driver’s Age

Your age can impact the cost of car insurance. This is especially true for those over 75 and under 25. Younger, inexperienced drivers and older drivers are considered at a higher risk of having accidents.

Driving Record

If you have accidents, speeding tickets or other types of driving violations on your driving record, it can increase the cost of your policy.


Where you park your car during the night and where you live are factors used to determine your coverage rate. If you live in an urban city with more drivers on the road, you’re likely to pay higher premiums compared to someone who lives in a rural area with fewer drivers on the road. The risk of theft and vandalism is also higher in cities.

Vehicle Make, Model, and Age

Some cars are considered higher risk than others. For example, a sports car is considered higher risk than a compact hybrid car or minivan. The higher the risk profile, the higher the cost of coverage. Newer vehicles often cost more to repair, so they also tend to come with higher premiums than older models.

2022 White Lexus outdoors. Front view premium crossover car parked on the street, close-up

How Does a DUI Affect Insurance Rates?

Driving under the influence of drugs or alcohol is considered high-risk, and a DUI on your record can increase your rates significantly. The national average policy rate increase is 70% following a DUI. That means you can expect to pay as much as $1,730 more annually on top of the $2,472 in full coverage premiums.

What Are Some Car Insurance Discounts for the Lexus?

You have a few options to help you lower your car policy rate. Bundling coverage with a multi-policy discount is one option. By combining more than one policy, like your car and homeowners insurance, you can reduce your premiums by 5% to 25%.

Many insurers also offer a good driver discount. Drivers with a clean driving record can sometimes reduce their rates by an average of 10% to 30%.

Other ways you might be able to reduce your car coverage rates include:

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What Are Some of the Characteristics of the Lexus IS?

The Lexus IS is an entry-level sports model, where the IS stands for “Intelligent Sport.” The Lexus IS 200 was first introduced in Europe in 1999, and the Lexus IS 300 was later introduced in North America in 2000.

Key features of the Lexus IS include Apple Carplay Integration, the Lexus Safety System+ 2.5, and a 241-horsepower turbocharged inline 4 engine. It also includes a driver-inspired cockpit with a touchscreen display and a sleek and detailed interior design.

Find the Best Car Insurance Rates Online for the Lexus IS Today

Are you ready to find the best car policy rates for your luxury sports care? A Freeway Insurance agent can help you find the perfect policy to meet your budget and needs.

We can hook you up with the cheapest car coverage for make/model, so you and your family are protected. Call us at (800) 777-5620, come get a fast and free quote for car insurance online, or stop by one of our locations.

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