Lexus IS Car Insurance Cost 2025
The average cost to insure a Lexus IS is $1,791 per year. However, your actual premium may vary based on factors such as your age, location, driving history, and the model year of your vehicle. To get a more accurate estimate tailored to your profile, you can refer to our quote tables below.
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If you’re considering buying a Lexus IS, it’s important to think about the cost of insurance. On average, insurance for a Lexus IS costs $1,791 per year. Insurance is a major part of car ownership, and you should know the financial commitment before making your decision.
Selecting the right car insurance is essential to prevent unexpected and potentially high costs later on. It’s crucial to have enough coverage to avoid large out-of-pocket expenses in case of an accident. Also, being at fault in an accident can lead to higher premiums.
With over ten years of experience analyzing car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving record, and location all play a significant role in determining your insurance premiums.
How Much Does Lexus IS Car Insurance Cost?
Lexus IS drivers typically pay an average of $1,791 per year for car insurance. However, individual rates may vary depending on factors such as age, location, driving history, and coverage options.
The cost of car insurance varies significantly based on factors such as location, driving history, vehicle model year, and coverage options. A clean driving record typically leads to lower premiums, while accidents or traffic violations can increase costs. Urban areas with heavy traffic often have higher insurance rates compared to rural regions. Additionally, opting for comprehensive coverage, which includes both collision and comprehensive protection, generally costs more than minimum liability coverage. As shown in the table below, insuring a Lexus IS is more expensive than the average cost of all Lexus models and exceeds the overall average cost for all cars. To find the best deal, Insuranceopedia offers a platform to compare quotes from multiple auto insurance providers.
| Vehicle | Average Monthly Premium |
| Lexus IS | $200 |
| All Lexus | $174 |
| All Cars | $175 |
Average Insurance Cost Of Lexus IS By Model Year
| Model Year | Average Premium |
| 2024 Lexus IS | $2,572 |
| 2023 Lexus IS | $1,108 |
| 2022 Lexus IS | $1,460 |
| 2021 Lexus IS | $1,196 |
| 2020 Lexus IS | $1,395 |
| 2019 Lexus IS | $1,387 |
| 2018 Lexus IS | $848 |
| 2017 Lexus IS | $1,006 |
| 2016 Lexus IS | $869 |
| 2015 Lexus IS | $1,168 |
| 2014 Lexus IS | $986 |
| 2013 Lexus IS | $2,251 |
| 2012 Lexus IS | $1,026 |
| 2011 Lexus IS | $728 |
| 2010 Lexus IS | $957 |
2024 Lexus IS Insurance Rates
The average annual insurance cost for a 2024 Lexus IS is $1,710. However, USAA offers the cheapest rates, averaging $1,791 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,791 |
| 21st Century | $2,111 |
| California Capital | $2,140 |
| Alliance United | $2,270 |
| Mercury | $2,529 |
| Unitrin | $2,561 |
| Esurance | $2,757 |
| State Farm | $3,039 |
| Nationwide | $3,273 |
| CSAA | $3,248 |
2023 Lexus IS Insurance Rates
The average annual insurance cost for a 2023 Lexus IS is $1,710. However, Dairyland Broadform offers the cheapest rates, averaging $1,330 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $1,330 |
| Virginia Farm Bureau | $1,414 |
| Texas Farm Bureau Group | $1,709 |
| Auto-Owners Insurance Co | $1,784 |
| Shelter | $1,842 |
| MO Farm Bureau Services | $1,908 |
| USAA | $1,956 |
| Capital Insurance Group | $2,024 |
| New York Central Mutual Fire | $2,020 |
| California Capital | $2,096 |
2022 Lexus IS Insurance Rates
The average annual insurance cost for a 2022 Lexus IS is $1,460. However, Texas Farm Bureau Group offers the cheapest rates, averaging $969 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $969 |
| SECURA Insurance | $1,225 |
| Pekin Insurance | $1,260 |
| Indiana Farmers Mutual Ins | $1,296 |
| Hastings Mutual Insurance Co | $1,463 |
| Country | $1,515 |
| Tennessee Farmers | $1,608 |
| Southern Farm Bureau | $1,673 |
| Farm Bureau Mutual (IA Group) | $1,723 |
| American National P | $1,865 |
2021 Lexus IS Insurance Rates
The average annual insurance cost for a 2021 Lexus IS is $1,196. However, Safeco offers the cheapest rates, averaging $510 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $510 |
| American National P | $597 |
| Dairyland Broadform | $1,054 |
| Dairyland FR Bond | $1,087 |
| Indiana Farmers Mutual Ins | $1,328 |
| Atlantic States Insurance | $1,363 |
| Clearcover | $1,411 |
| Virginia Farm Bureau | $1,436 |
| Buckeye Insurance Group | $1,499 |
| Penn National | $1,672 |
2020 Lexus IS Insurance Rates
The average annual insurance cost for a 2020 Lexus IS is $1,395. However, Safeco offers the cheapest rates, averaging $137 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $137 |
| American National P | $742 |
| Liberty Mutual | $832 |
| Pekin Insurance | $1,417 |
| Hastings Mutual Insurance Co | $1,559 |
| Indiana Farmers Mutual Ins | $1,612 |
| Auto-Owners Insurance Co | $1,839 |
| Mercury Insurance Company | $1,869 |
| 21st Century | $1,964 |
| Southern Farm Bureau | $1,976 |
2019 Lexus IS Insurance Rates
The average annual insurance cost for a 2019 Lexus IS is $869. However, Safeco offers the cheapest rates, averaging $500 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $500 |
| Mercury Insurance | $611 |
| Farm Bureau Mutual (IA Group) | $1,000 |
| Plymouth Rock | $1,126 |
| AssuranceAmerica Economy | $1,410 |
| Capital Insurance Group | $1,665 |
| AssuranceAmerica Elite | $1,721 |
| Direct Auto | $1,899 |
| North Carolina Farm Bureau | $1,978 |
| California Capital | $1,961 |
2018 Lexus IS Insurance Rates
The average annual insurance cost for a 2018 Lexus IS is $848. However, Jupiter Auto Insurance offers the cheapest rates, averaging $15 per year.
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $15 |
| Safeco | $215 |
| NatGen Value | $381 |
| Infinity Special | $618 |
| Kemper Auto Premier | $928 |
| Farm Bureau Mutual (IA Group) | $1,013 |
| SECURA Insurance | $1,096 |
| Pekin Insurance | $1,279 |
| Clearcover | $1,408 |
| Texas Farm Bureau Group | $1,531 |
2017 Lexus IS Insurance Rates
The average annual insurance cost for a 2017 Lexus IS is $1,006. However, Safeco offers the cheapest rates, averaging $31 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $31 |
| Kemper Auto Premier | $303 |
| Mercury Insurance Company | $897 |
| MMG Insurance Company | $1,147 |
| Capital Insurance Group | $1,193 |
| North Carolina Farm Bureau | $1,204 |
| Virginia Farm Bureau | $1,203 |
| Concord Group | $1,272 |
| Arbella Insurance Group | $1,370 |
| Safety Group | $1,435 |
2016 Lexus IS Insurance Rates
The average annual insurance cost for a 2016 Lexus IS is $869. However, Safeco offers the cheapest rates, averaging $144 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $144 |
| Kemper Auto Premier | $709 |
| Kemper Auto | Infinity | $737 |
| American National P | $790 |
| Mercury Insurance | $877 |
| North Carolina Farm Bureau | $1,026 |
| Dairyland Broadform | $1,046 |
| Infinity Special | $1,084 |
| PEMCO | $1,067 |
| New York Central Mutual Fire | $1,210 |
Find Affordable Lexus IS Insurance Rates
2015 Lexus IS Insurance Rates
The average annual insurance cost for a 2015 Lexus IS is $1,168. However, Safeco offers the cheapest rates, averaging $47 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $47 |
| Mercury Insurance | $164 |
| American National P | $1,010 |
| Bear River | $1,295 |
| Clearcover | $1,306 |
| Virginia Farm Bureau | $1,332 |
| Kentucky Farm Bureau | $1,567 |
| Plymouth Rock Assurance | $1,621 |
| Texas Farm Bureau Group | $1,619 |
| Farm Bureau Ins of MI | $1,717 |
2014 Lexus IS Insurance Rates
The average annual insurance cost for a 2014 Lexus IS is $986. However, Safeco offers the cheapest rates, averaging $84 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $84 |
| Kemper Auto Premier | $238 |
| Mercury Insurance | $448 |
| Dairyland Broadform | $1,045 |
| Virginia Farm Bureau | $1,274 |
| Texas Farm Bureau Group | $1,265 |
| NatGen Custom 360 | $1,285 |
| Mercury Insurance Company | $1,348 |
| SafeAuto | $1,432 |
| Farm Bureau Mutual (IA Group) | $1,444 |
2013 Lexus IS Insurance Rates
The average annual insurance cost for a 2013 Lexus IS is $2,251. However, American National P offers the cheapest rates, averaging $523 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $523 |
| Mercury Insurance | $597 |
| Farm Bureau Mutual (IA Group) | $978 |
| Texas Farm Bureau Group | $1,062 |
| Hastings Mutual Insurance Co | $1,185 |
| Capital Insurance Group | $1,410 |
| ACCC Insurance Company | $1,538 |
| Georgia Farm Bureau | $1,665 |
| Clearcover | $1,740 |
| Erie | $1,812 |
2012 Lexus IS Insurance Rates
The average annual insurance cost for a 2012 Lexus IS is $1,026. However, Safeco offers the cheapest rates, averaging $171 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $171 |
| Mercury Insurance | $168 |
| Farm Bureau Mutual (IA Group) | $851 |
| American National P | $1,093 |
| Virginia Farm Bureau | $1,182 |
| Capital Insurance Group | $1,227 |
| PEMCO | $1,355 |
| Cameron Mutual Group | $1,354 |
| Clearcover | $1,361 |
| Texas Farm Bureau Group | $1,495 |
2011 Lexus IS Insurance Rates
The average annual insurance cost for a 2011 Lexus IS is $728. However, Dairyland Auto 1 Month offers the cheapest rates, averaging $187 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto 1 Month | $187 |
| Safeco | $333 |
| West Bend Mutual | $694 |
| American National P | $730 |
| Western National | $789 |
| Kemper Auto Premier | $878 |
| Dairyland Auto 6 Month | $875 |
| Buckeye Insurance Group | $931 |
| Southern Farm Bureau | $926 |
| SECURA Insurance | $940 |
2010 Lexus IS Insurance Rates
The average annual insurance cost for a 2010 Lexus IS is $957. However, Safeco offers the cheapest rates, averaging $162 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $162 |
| Plymouth Rock | $489 |
| American National P | $910 |
| Virginia Farm Bureau | $967 |
| North Carolina Farm Bureau | $1,043 |
| SECURA Insurance | $1,095 |
| Texas Farm Bureau Group | $1,165 |
| PEMCO | $1,172 |
| Capital Insurance Group | $1,258 |
| Utica National Ins Group | $1,305 |
Find Affordable Lexus IS Insurance Rates
Is A Lexus IS Expensive To Insure?
The cost of insuring a Lexus IS tends to be higher than the average for all cars. However, the specific amount you’ll pay for car insurance can vary based on factors such as your age, the age of your car, your location, and other personal factors. It’s important to consider all of these variables when determining your insurance costs, and comparing quotes from multiple providers can help you find the best deal tailored to your situation.
Cheapest Car Insurance Companies For A Lexus IS
If you’re looking for the most affordable insurance for your Lexus IS, Dairyland offers a premium as low as $27 per month, making them one of the cheapest options. However, keep in mind that rates can vary based on your personal profile, so this is just an average estimate. To ensure you get the best rate for your specific situation, it’s a good idea to shop around and compare quotes from different insurance providers.
| Company | Average Monthly Rate |
| MetLife | $39 |
| Verti | $48 |
| MetroMile | $40 |
| DirectGeneral | $56 |
| Dairyland | $27 |
Common Lexus IS Insurance Discounts
Discounts can significantly reduce your car insurance costs. While each insurer has its own discounts, some common ones include:
- Multi-policy: Bundle your home and auto insurance with one provider for a discount.
- Pay annually: If you pay your premium in one lump sum rather than monthly installments, you may receive a discount.
- Defensive driving: Completing a defensive driving course from a certified institution may qualify you for lower rates.
Additionally, other discounts may be available based on your profile. It’s a good idea to speak with your insurance agent to find out which discounts you can apply for.
Ways To Save On Lexus IS Insurance Costs
Maintaining a clean driving record is crucial to keeping your Lexus IS insurance costs low. Speeding tickets or accidents can increase your premiums, with drivers who have a ticket on their record paying about $95 per month, while those with multiple accidents face an average premium of $135 per month. Additionally, the number of miles you drive annually can also impact your rates, as driving fewer miles reduces your risk. Lexus IS drivers who cover 5,001-7,500 miles per year pay around $84 per month, whereas those driving over 10,000 miles annually pay approximately $88 per month. Avoiding tickets, accidents, and driving fewer miles can help keep your insurance costs down.
Compare Lexus IS To Other Lexus Models
Our Methodology
Insuranceopedia calculated the average car insurance costs by aggregating thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it’s important to note that the actual rates you receive may vary based on your individual profile and circumstances.
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FAQs
Do You Need Insurance Before You Can Purchase A Lexus IS?
Yes, before you can drive your Lexus IS off the dealership lot, you will need to provide proof of insurance. The best approach is to purchase a policy beforehand and inform your insurance company that you are about to buy your car. This way, you can have coverage in place before picking up your new vehicle, instead of relying on the dealership’s insurance options.
How Can You Get The Cheapest Insurance For Your Lexus IS?
The best way to find the cheapest rates for your Lexus IS is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers, right here on our website.
