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. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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UPDATED: Jul 15, 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. We’re going to jump right in and 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.

Table of Contents

Lexus IS 300 Insurance Cost

The average Lexus IS 300 auto insurance rates 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 Lexus IS 350, Lexus ES 350, and Audi S6.

Vehicle Comprehensive Collision Liability Total
Lexus IS 300 $356 $686 $398 $1,598
Lexus IS 350 $344 $686 $398 $1,586
Lexus ES 350 $362 $656 $316 $1,470
Audi S6 $444 $894 $398 $1,894
Jaguar XF $406 $804 $398 $1,766
Lexus GS 350 $370 $714 $338 $1,558
BMW M3 $406 $804 $398 $1,766
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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?

The Lexus IS 300 trim and model you choose can impact the total price you will pay for Lexus IS 300 insurance coverage.

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 Year Comprehensive Collision Liability Total
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
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Driver Age

Driver age can have a significant impact on Lexus IS 300 auto insurance rates. For instance, a 30-year-old driver may pay $70 more each year for Lexus IS 300 auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Lexus IS 300 insurance rates. For example, drivers in Los Angeles may pay $879 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Lexus IS 300 car 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 Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Lexus IS 300 Crash Test Ratings

Poor Lexus IS 300 crash test ratings could mean higher Lexus IS 300 car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Lexus IS 300 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2020 Lexus IS 300 4 DR AWD 5 stars 4 stars 5 stars 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Lexus IS 300 Safety Features

The Lexus IS 300 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Lexus IS 300 auto insurance rates. The Lexus IS 300’s safety features 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 coverage options including comprehensive coverage, so be sure to shop around and 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

If you want to reduce the cost of your Lexus IS 300 insurance rates, follow these tips below:

  • Watch Your Insurer Closely When Your Lexus IS 300 Needs Repairs
  • Park Your Lexus IS 300 Somewhere Safe – like a Garage or Private Driveway
  • Consider Renting a Car Instead of Buying a Second Lexus IS 300
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Don’t Skimp On Lexus IS 300 Liability Coverage

Top Lexus IS 300 Insurance Companies

Who is the top car 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.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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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.