Lexus IS 300 Insurance [How to Find Low Rates Online]

Average Lexus IS 300 insurance rates cost $133 per month, but teen and high-risk drivers can pay up to $456 per month or more for Lexus IS 300 insurance coverage. To find the cheapest Lexus IS 300 insurance quotes, comparison shop online with our free guide where we compare Lexus IS 300 insurance costs against other makes, models, and auto insurance company policies.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Aug 7, 2020

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Key takeaways:

  • Full coverage costs around $1,598 a year or $133 each month
  • A liability-only policy costs around $641 a year or $53 each month
  • Highest rates are for teenage drivers at around $5,841 a year or $487 each month
  • Good drivers can save as much as $659 a year by earning policy discounts
  • Lexus IS 300 insurance costs around $79 more per year than the average vehicle

Lexus IS 300 insurance rates are about $79 more per year than the average vehicle with full coverage averaging $1,598 a year or $133 a month. Good drivers save up to $659 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Lexus IS 300 insurance rates, crash test ratings, and more.

You can start comparing quotes for Lexus IS 300 car insurance rates from some of the best car insurance companies by using our free online tool now.

Lexus IS 300 Insurance Cost

The average Lexus IS 300 auto insurance costs are $1,598 a year or $133 a month.


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Are Lexus IS 300s Expensive to Insure?

The chart below details how Lexus IS 300 insurance rates compare to other luxury cars like the Audi S8, Volvo S60, and Mercedes-Benz S450.

VehicleComprehensiveCollisionLiabilityTotal
Lexus IS 300$356$686$398$1,598
Audi S8$658$1,368$398$2,582
Volvo S60$332$656$398$1,544
Mercedes-Benz S450$494$982$398$2,032
Lexus IS 350$344$686$398$1,586
Audi A4$332$656$398$1,544
Audi S6$444$894$398$1,894

However, there are a few things you can do to find the cheapest Lexus insurance rates online.

What Impacts the Cost of Lexus IS 300 Insurance?

Even though the average annual rate for the Lexus IS 300 is $1,598, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Lexus IS 300.

Age of the Vehicle

Older Lexus IS 300 models generally cost less to insure. For example, car insurance for a 2018 Lexus IS 300 costs $1,598, while 2016 Lexus IS 300 insurance costs are $1,560, a difference of $38.

Model YearComprehensiveCollisionLiabilityTotal
2018 Lexus IS 300$356$686$398$1,598
2017 Lexus IS 300$344$668$416$1,586
2016 Lexus IS 300$332$640$430$1,560

Driver Age

Driver age can have a significant impact on Lexus IS 300 auto insurance rates. As an example, a 40-year-old driver could pay $169 less each month for their Lexus IS 300 auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Lexus IS 300 insurance rates. For example, drivers in Jacksonville may pay $959 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Lexus IS 300 auto insurance. Teens and drivers in their 20’s see the highest jump in their Lexus IS 300 car insurance with violations on their driving record.

Lexus IS 300 Safety Ratings

Your Lexus IS 300 car insurance rates are influenced by the safety ratings of the Lexus IS 300. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideNot Tested
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Lexus IS 300 Crash Test Ratings

The crash test ratings of the Lexus IS 300 can impact your Lexus IS 300 car insurance rates.

Vehicle TestedOverallFrontalSideRollover
2020 Lexus IS 300 4 DR RWD5 stars4 stars5 stars5 stars
2020 Lexus IS 300 4 DR AWD5 stars4 stars5 stars5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Lexus IS 300 Safety Features

Lexus IS 300 safety features can lower the cost of your insurance. The safety features for the 2020 Lexus IS 300 include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Auto-Leveling Headlights
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Lexus IS 300 Finance and Insurance Cost

If you are financing a Lexus IS 300, most lenders will require your carry higher Lexus IS 300 coverages including comprehensive coverage, so be sure to compare Lexus IS 300 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Lexus IS 300 Insurance

There are several ways you can save even more on your Lexus IS 300 car insurance rates. Take a look at the following five tips:

  • Work with a Direct Insurer Instead of an Insurance Broker for Your Lexus IS 300
  • Buy a Lexus IS 300 with an Anti-Theft Device
  • Wait Six Years for Accidents to Disappear from Your Record
  • Consider Renting a Car Instead of Buying a Second Lexus IS 300
  • Add a More Experienced Driver to Your Lexus IS 300 Policy

Top Lexus IS 300 Insurance Companies

Who is the top auto insurance company for Lexus IS 300 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Lexus IS 300 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Lexus IS 300 offers.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Lexus IS 300 Insurance Quotes Online

You can start comparing quotes for Lexus IS 300 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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