Lexus IS Insurance Cost
Full coverage for a Lexus IS costs about $1,835 a year ($153/month) by our estimate — ▲ +15% versus the average vehicle, ranking 215th cheapest of 310 current models.
Lexus IS insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Lexus IS.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $560 | $47 | $460–$660 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $815 | $68 | $665–$960 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,835 | $153 | $1,505–$2,165 |
What drives the cost of insuring a Lexus IS
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Lexus IS's results put our vehicle factor at 0.91× for liability, 1.55× for collision and 1.46× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 158 | Much worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 150 | Much worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 81 | Better than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 97 | Average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 114 | Worse than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 117 | Worse than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (5)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Lexus IS 350 4dr | 158 | 150 | 81 | 97 |
| Lexus IS 300 4dr | 139 | 121 | 95 | — |
| Lexus IS 350 4dr 4WD | 151 | 127 | 76 | — |
| Lexus IS 500 4dr | 177 | 155 | 54 | — |
| Lexus IS 300 4dr 4WD | 130 | 118 | 93 | — |
- Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
- Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 0 NHTSA recall campaigns and 3 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Lexus IS trims and configurations (2026)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| IS 350 | RWD | 3.5L 6-cyl | 22 |
| IS 350 AWD | AWD | 3.5L 6-cyl | 22 |
Lexus IS insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2026 | 3.5L 6-cyl | AWD, RWD | 22 | $1,835 |
| 2025 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 20–25 | $1,785 |
| 2024 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 20–25 | $1,740 |
| 2023 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 20–25 | $1,690 |
| 2022 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 20–25 | $1,640 |
| 2021 | 2.0L 4-cyl Turbo, 3.5L 6-cyl | AWD, RWD | 22–25 | $1,595 |
| 2020 | 2.0L 4-cyl Turbo, 3.5L 6-cyl | AWD, RWD | 21–24 | $1,545 |
| 2019 | 2.0L 4-cyl Turbo, 3.5L 6-cyl | AWD, RWD | 21–24 | $1,500 |
| 2018 | 2.0L 4-cyl Turbo, 3.5L 6-cyl | AWD, RWD | 22–26 | $1,450 |
| 2017 | 2.0L 4-cyl Turbo, 3.5L 6-cyl | AWD, RWD | 21–26 | $1,400 |
| 2016 | 2.0L 4-cyl Turbo, 3.5L 6-cyl | AWD, RWD | 21–26 | $1,355 |
| 2015 | 2.5L 6-cyl, 3.5L 6-cyl | AWD, RWD | 21–24 | $1,350 |
| 2014 | 2.5L 6-cyl, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 18–24 | $1,350 |
| 2013 | 2.5L 6-cyl, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 18–24 | $1,350 |
| 2012 | 2.5L 6-cyl, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 18–24 | $1,350 |
| 2011 | 2.5L 6-cyl, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 18–24 | $1,350 |
| 2010 | 2.5L 6-cyl, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 18–24 | $1,350 |
| 2009 | 2.5L 6-cyl, 3.5L 6-cyl, 5.0L 8-cyl | 4WD/AWD, RWD | 18–24 | $1,350 |
| 2008 | 2.5L 6-cyl, 3.5L 6-cyl, 5.0L 8-cyl | 4WD/AWD, RWD | 18–24 | $1,350 |
| 2007 | 2.5L 6-cyl, 3.5L 6-cyl | 4WD/AWD, RWD | 21–24 | $1,350 |
Lexus IS insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the IS page for that state.
Lexus IS insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,545 | $2,240 | $5,045 | $420 |
| Young adult (22) | $900 | $1,300 | $2,935 | $245 |
| Adult in their 30s | $560 | $815 | $1,835 | $153 |
| Adult in their 50s | $515 | $750 | $1,685 | $140 |
| Senior (72) | $630 | $910 | $2,055 | $171 |
| 30s, one at-fault accident | $815 | $1,180 | $2,660 | $222 |
| 30s, DUI on record | $1,040 | $1,505 | $3,395 | $283 |
Lexus IS vs. rivals
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Frequently asked questions
How much is insurance for a Lexus IS?
We estimate about $1,835 a year ($153 a month) for full coverage and $560 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 15% more than the average vehicle.
Is the Lexus IS expensive to insure?
HLDI insurance-loss data rates it at 158 for collision and 150 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.
Which state is cheapest to insure a Lexus IS?
Maine has the lowest estimate (about $1,200 a year for full coverage) and Louisiana the highest (about $2,510).
What is the Lexus IS's NHTSA safety rating?
The 2025 Lexus IS earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Lexus IS cheaper to insure than the Mercedes-Benz C-Class?
By our estimate the Lexus IS costs about $1,835 a year versus $2,050 for the Mercedes-Benz C-Class, making it the cheaper of the two to insure.
How much is Lexus IS insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $5,045 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- NAIC Auto Insurance Database Report (state and national average premiums)
- fueleconomy.gov / EPA vehicle data (model years, trims, powertrains)
- NHTSA vPIC vehicle database
- IIHS-HLDI insurance losses by make and model (2022-2024 models)
- NHTSA 5-Star Safety Ratings
- NHTSA recalls and complaints database