Compare Cheap Lexus IS 300 Insurance Quotes
If you want affordable Lexus IS 300 insurance coverage then you should know that a policy will cost $133 per month ($1,598 per year) on average. Mature drivers with good driving records may find rates as low as $939 a year.
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Written by
Sara Routhier |
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Reviewed by
Cynthia Lanctot
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UPDATED: Jul 16, 2021
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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
The average driver of a Lexus IS 300 spends $1,598 a year or $133 a month for full coverage. Drivers can save up to $659 a year in policy discounts and enjoy greater fuel economy by practicing safe driving habits. 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
How much does 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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How do Insurance prices compare for a Lexus IS 300?
The chart below details how Lexus IS 300 insurance rates compare to another luxury sedan like the Audi S8, Audi A6, and Audi S7.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Lexus IS 300 | $356 | $686 | $398 | $1,598 |
| Audi S8 | $658 | $1,368 | $398 | $2,582 |
| Audi A6 | $382 | $744 | $398 | $1,682 |
| Audi S7 | $532 | $1,250 | $398 | $2,338 |
| Audi A4 | $332 | $656 | $398 | $1,544 |
| Lexus GS 300 | $344 | $656 | $338 | $1,474 |
| Acura TLX | $332 | $686 | $398 | $1,574 |
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 base price of a Lexus IS 300 is what you see in the ads, but then you have to add on taxes, licensing, etc. before you can leave the dealership. Whether you’re at a car lot or on J.D. Power checking market conditions, insurance should always be a part of your calculations. You might get a killer deal on the car, but are you sacrificing features that would get you lower insurance rates? What’s the big picture if you choose the standard features? We’ll break it down below to make an informed insurance purchase easy.
Age of the Vehicle
The age of even the highest-class luxury vehicle determines its purchase and replacement cost. It has a similar effect on your insurance rates. Older cars cost less on a base level. Don’t stop here. There are other factors to consider.
| 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 |
Driver Age
Driver age has a significant effect on the cost of auto insurance. For example, 30-year-old drivers pay approximately $70 more for their car insurance when driving a Lexus IS 300 than 40-year-old drivers. Insurers want to see experience and tenure before offering lower rates.
Vehicle Location
Where you live can have a large impact on Lexus IS 300 insurance rates. Again, drivers in some areas of the country might pay a higher sales price to buy or replace their luxury sports sedan. Sometimes, it can even vary based on the model. Add in crime rates, average commute time, and other risks your car faces every day, and you get rates that multiply depending on where you live.
Your Driving Record
In your teens and 20’s, you can expect a steep increase in insurance rates for even a small infraction. These penalties decrease with age and experience. No matter your age, your insurance rates will be lower if you follow the speed limit, avoid accidents, and otherwise avoid marks on your record.
What are Lexus IS 300 safety ratings?
Your Lexus IS 300 auto insurance rates are influenced by the Lexus IS 300’s safety ratings. 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 | |
What are 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 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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What are Lexus IS 300 safety features?
Good Lexus IS 300 safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Lexus IS 300 are:
- 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
How much is 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 quotes from the best companies using our FREE tool below.
What are some ways to save on Lexus IS 300 insurance?
Drivers can end up saving more money on their Lexus IS 300 car insurance rates by employing any one of the following strategies.
- Ask About Farm and Ranch Vehicle Discounts
- Get Lexus IS 300 Auto Insurance Through Costco
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
- Consider Using a Tracking Device on Your Lexus IS 300
- Ask About a Student Away from Home Discount
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What are the top Lexus IS 300 insurance companies?
Several insurance companies offer competitive rates for the Lexus IS 300 based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Lexus IS 300 drivers organized by market share.
| 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 | |||
How can you compare free Lexus IS 300 insurance quotes online?
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.