Lexus IS Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Lexus IS is more expensive to insure compared to the average car.
• Full coverage auto insurance for an IS comes in at around $201 monthly, on average, while liability only insurance typically runs about $90 a month.
• The most affordable insurance company for an IS is Freedom.

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IS Overview

The Lexus IS is a great car for drivers on a budget, with a base price of just $38,775 for 2022 models. There are three different trim levels currently available, so there's something there for every driver.

After analyzing thousands of car insurance quotes through Compare.com, we've determined that, on average, Lexus IS auto insurance premiums run around $202 monthly. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Lexus IS?

If you look at the table above, you'll find that when you compare the Lexus IS to other vehicles, insurance rates are more expensive than average. IS owners can expect to pay about $90 per month for liability insurance, and around $201 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

Comparing it to other Lexus models, the IS is more expensive, with prices about 16% higher than the rest of the automaker's vehicle offerings. Similarly, compared to other vehicles of a similar body style, IS coverage is above average, with both liability only and full coverage insurance averaging more expensive rates than other cars.

When compared to all vehicles, regardless of model, make, or body style, the IS follows a similar pattern of having above average car insurance prices.

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Who has the Cheapest Car Insurance for a Lexus IS?

If you're looking for a car insurance policy for a Lexus IS, you might want to know which carrier offers the most affordable prices. Although premiums can differ quite dramatically from person to person, Dairyland provides the lowest average rates for liability only coverage, with rates as low as $28 monthly. The runner up for cheapest rates is MetLife, with insurance policies starting as low as just $38 a month.

MetroMile, Verti, and DirectGeneral round out the rest of the top 5 list. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since auto insurance companies look at a lot of different variables when calculating premiums. There's only one way to make sure you find the lowest possible rates, and that's by reviewing quotes from a range of car insurance carriers.

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What Factors Affect Car Insurance Rates for a Lexus IS?

There are a whole bunch of variables that insurance companies consider to decide how much they charge you -- and each company uses a different formula, so there's not a single carrier that's the most affordable for every driver.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Lexus IS has been around for a while, so vehicle age may play a big role in what you end up paying for car insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually go down.

Based on the information in the above table, the Lexus IS is not quite in line with this trend, as the cheapest models to insure are those that are 8 to 10 years old, while on average, the most expensive ISs are 15 years old or more.

Your Age

Your age is another factor that plays a significant role in how much you pay for auto insurance. In the table above, you'll see that the youngest IS drivers pay more compared to those who have more experience. In this case, drivers under 18 pay $71 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group for IS drivers being 65 years and older.

Your Gender

Did you know women generally pay less for insurance than men? This is because men are more likely to get into collisions and get speeding tickets, which raises the chances of an insurance claim. The Lexus IS follows this convention, and men pay around 30% more than women per month for auto insurance.

Where You Live

You might already know that factors such as how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live can be just as important? Since car insurance is regulated on a state-by-state basis, premiums shift quite a bit from state to state.

For example, the average Lexus IS driver in New York pays about $279 monthly for liability coverage. Meanwhile, the same owner in California will pay only a quarter of that price, on average. The table above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change from state to state.

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Lexus IS Car Insurance Discounts

No matter your home state, your age, or your car, using as many discounts as possible when it comes to your insurance is always important when shopping around for a new policy.

Even though all car insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than by monthly payments
• Multi-car discounts for insuring more than one of your vehicles with the same carrier

There are all sorts of other discounts out there for saving money on your auto insurance. Often, it's actually having a favorable driving record and insurance profile that get you the lowest rates.

Even though you don't have control over every variable car insurance companies take into account to calculate prices (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use to your favor when it comes to saving cash:

Your Driving Record

You've most likely seen ads from insurance carriers promoting large savings for good drivers. It shouldn't come as a surprise that if you get into an accident or get speeding tickets, auto insurance rates will get higher. But you're probably wondering exactly how much these infractions will cost you.

Looking at the table above, you'll see that accidents will usually cost IS drivers more than tickets, but both will result in a raise in rates. Lexus IS drivers with a single ticket will pay about $94 a month, while drivers with one accident on their record pay an average of $112 each month (up $22 from the $90/mo. overall average). Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor that affects your insurance prices is the amount of miles you drive each year. Drivers who are on the roads less are less likely to get speeding tickets, so they'll normally be offered more affordable premiums. Above, you can see that Lexus IS owners who drive between 5,000 and 7,500 miles a year pay about $83 per month for car insurance, while those who put less than 2,500 miles on their cars pay $105.

But if you drive a limited amount, it may be worth reviewing pay-per-mile or usage-based auto insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Lexus ISs Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Lexus IS is on your shortlist, it might be helpful to do your research. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering.

Review the table below to see how the Lexus IS stacks up:

Overall, the Lexus IS has an average MSRP and is on par with the going rate for a new vehicle. The IS's $46,192 base MSRP is right on trend with the national average of $38,775.

Liability insurance for a Lexus IS is, while full coverage is over $50 more a month.

When it comes to usage, Lexus IS drivers are far from the national average in annual miles driven, with 11,617 miles for all vehicles every year compared to the IS's 10,615 per year.

Lexus IS Car Insurance Costs by Model Year

So far, you've seen how different things have an impact on how much the average driver pays to insure a Lexus IS. If you're in the market for a new car, truck, or SUV and the IS is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at is extremely valuable as you weigh your choices.

Choose Your Model

2021 Lexus IS Car Insurance 2020 Lexus IS Car Insurance 2019 Lexus IS Car Insurance 2018 Lexus IS Car Insurance 2017 Lexus IS Car Insurance 2016 Lexus IS Car Insurance 2015 Lexus IS Car Insurance 2014 Lexus IS Car Insurance 2013 Lexus IS Car Insurance 2012 Lexus IS Car Insurance 2011 Lexus IS Car Insurance 2010 Lexus IS Car Insurance

2021 Lexus IS Car Insurance

You can expect full coverage for a 2021 Lexus IS to run around $235 monthly, while liability only coverage will average about $78 per month.

We found Mercury offered the lowest policy, with rates as little as just $32 a month.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2020 Lexus IS Car Insurance

It costs around $100 monthly for liability or $265 for a full coverage policy for the 2020 IS.

With prices as little as $27 per month, Clearcover offered the most affordable policy we found for the 2020 Lexus IS.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get multiple personalized quotes for free.

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2019 Lexus IS Car Insurance

The average cost to insure a 2019 Lexus IS with liability only coverage is $95 a month, while full coverage runs about $208 per month.

Dairyland has rates sometimes as little as $28 monthly for the 2019 Lexus IS.

While these are good estimates of what the average driver might pay to insure a 2019 Lexus IS, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2018 Lexus IS Car Insurance

On average, drivers who own a 2018 IS can expect to pay $104 to $208 a month for liability only and full coverage auto insurance, respectively.

Hugo offered the cheapest policy we found, with rates sometimes as cheap as $22 per month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2018 Lexus IS, you can get free quotes in minutes by just entering your ZIP code below.

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2017 Lexus IS Car Insurance

2017 Lexus IS drivers can expect to pay an average of $122 monthly for liability or $222 for full coverage.

With prices as cheap as just $28 per month, MetroMile offered the lowest policy we found.

Want to find the best rates? Just enter your ZIP code below to get several customized quotes for free.

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2016 Lexus IS Car Insurance

You can expect full coverage for a 2016 IS to run around $223 a month, while liability only coverage will average about $99 monthly.

Looking for the cheapest policy? Mercury offered liability only coverage for sometimes as low as $22 a month.

If you want to know exactly how much you can expect to pay for your IS, just enter your ZIP code below and get several free quotes in minutes.

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2015 Lexus IS Car Insurance

It costs around $95 monthly for liability or $214 for a full coverage policy for the 2015 Lexus IS.

If you're looking for the lowest possible 2015 Lexus IS insurance policy, Sun Coast offered the most affordable policy we found, with rates as cheap as $28 per month.

Want something more accurate than nationwide averages? Enter your ZIP code below to get lots of free customized quotes.

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2014 Lexus IS Car Insurance

2014 IS drivers can expect to pay an average of $85 monthly for liability or $204 for full coverage.

Hugo offered the lowest policy we found, with rates as low as $21 per month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2013 Lexus IS Car Insurance

On average, drivers who own a 2013 Lexus IS can expect to pay $58 to $186 a month for liability only and full coverage insurance, respectively.

If you're looking for the most affordable 2013 Lexus IS insurance policy, Clearcover offered the cheapest policy we found, with rates sometimes as little as $23 per month.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2012 Lexus IS Car Insurance

The average cost to insure a 2012 IS with liability only coverage is $80 monthly, while full coverage runs about $183 a month.

With rates sometimes as cheap as $23 monthly, Elephant offered the most affordable policy we found for the 2012 Lexus IS.

If you want to find the best premiums for auto insurance for a 2012 Lexus IS, enter your ZIP code below and compare a whole range of personalized quotes in just a few minutes.

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2011 Lexus IS Car Insurance

It costs around $75 per month for liability or $179 for a full coverage policy for the 2011 Lexus IS.

Looking for the cheapest policy? Clearcover offered liability only coverage for as little as $17 a month.

If you want to find the best rates for car insurance for a 2011 Lexus IS, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2010 Lexus IS Car Insurance

2010 IS drivers can expect to pay an average of $84 monthly for liability or $192 for full coverage.

With prices sometimes as low as $22 a month, Coverhound offered the lowest policy we found.

Interested in just how much you'll pay? Enter your ZIP code below to get a variety of personalized quotes for free.

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Lexus IS Insurance FAQs

Is a Lexus IS expensive to insure?

Compared to the national average of all vehicles, premiums come in on the more expensive end of the spectrum. Liability insurance runs an average of $90 per month, while full coverage will cost you around $201.

How can I get the best price on car insurance for my Lexus IS?

The only way to ensure you're getting the most affordable price on auto insurance is to regularly shop around and compare quotes from an array of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a bunch of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Lexus IS affect my insurance prices?

You may have heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually a myth. While there are multiple variables insurance companies look at when they decide how much to charge for a policy, the color of your vehicle isn't one of them.

Do I need to have insurance before I buy a Lexus IS?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) car off the dealership lot. As part of the buying process, some dealerships might offer you a car insurance policy, but the easiest thing to do is to let your auto insurance company know ahead of time.

What car insurance discounts can I get for my Lexus IS?

There are tons of discounts out there for insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the Lexus IS you drive, but if your IS has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to find out is to talk with your insurance agent and ask about their discounts, since they fluctuate quite a bit from carrier to carrier.