Best Lexus IS 300 Auto Insurance in 2025 (Top 10 Companies Ranked)

The best Lexus IS 300 auto insurance providers are State Farm, AAA, and Nationwide, known for their superior coverage and competitive pricing.

These companies stand out in the market due to their comprehensive policies, excellent customer service, and strong financial stability. Each insurer offers unique advantages that cater to different driver needs, making them top choices for Lexus IS 300 owners.

Our Top 10 Company Picks: Best Lexus IS 300 Auto Insurance

Understanding these differences is key to selecting the right policy for your vehicle and driving habits. Learn more in our article titled “How Auto Insurance Companies Check Driving Records.”

Get started on comparing full coverage auto insurance rates by entering your ZIP code above.

#1 – State Farm: Top Overall Pick

Pros

• Bundling Discounts: State Farm offers significant discounts for bundling Lexus IS 300 auto insurance with other policies. Read more in our full review on the article titled State Farm’s auto insurance.
• Low-Mileage Savings: Owners of the Lexus IS 300 who drive less can benefit from State Farm’s substantial low-mileage discounts.
• Comprehensive Coverage Options: State Farm provides a variety of coverage options that can be tailored specifically to the needs of Lexus IS 300 owners.

Cons

• Comparatively Lower Multi-Policy Discounts: The discounts for multiple policies with State Farm are less generous than some competitors for Lexus IS 300 insurance.
• Higher Premium Levels: Despite available discounts, State Farm’s premiums can be relatively higher for certain Lexus IS 300 coverage levels.

#2 – AAA: Best for Local Agents

Pros

• Personalized Agent Support: Lexus IS 300 owners benefit from personalized service and local knowledge through AAA’s extensive network of agents.
• Higher Multi-Vehicle Discounts: AAA offers a 15% discount for customers who insure more than one vehicle like the Lexus IS 300.
• Strong Financial Stability: With an A.M. Best rating of A, AAA is a reliable choice for insuring your Lexus IS 300. Learn more about AAA roadside assistance in our review of AAA insurance.

Cons

• Availability May Vary: AAA’s features and discounts for Lexus IS 300 insurance can vary significantly by region.
• Membership Required: Lexus IS 300 owners must purchase a membership to access AAA’s auto insurance services.

#3 – Nationwide: Best for Usage Discount

Pros

• Pay-Per-Mile Discounts: Nationwide offers discounts for Lexus IS 300 owners who opt for a usage-based insurance model, saving money for those who drive less.
• High Financial Ratings: With an A+ rating from A.M. Best, Nationwide is a financially robust insurer for your Lexus IS 300. Find out if Nationwide might have the lowest rates for you in our Nationwide auto insurance review.
• Customizable Policies: Nationwide allows Lexus IS 300 owners to customize their policies extensively to match their driving habits and coverage needs.

Cons

• Lower Multi-Vehicle Discounts: Nationwide’s multi-vehicle discount rate for Lexus IS 300 is lower than some competitors at 10%.
• Premium Cost Variability: Nationwide’s premiums for Lexus IS 300 may vary widely depending on the driver’s profile and vehicle specifics.

#4 – Allstate: Best for Add-on Coverages

Pros

• Extensive Add-On Options: Allstate offers a variety of add-on coverages that can enhance the protection for your Lexus IS 300, such as accident forgiveness and new car replacement.
• Good Multi-Vehicle Discount: Allstate provides a 12% discount for Lexus IS 300 owners who insure multiple vehicles with them.
• Robust Financial Rating: With an A+ rating from A.M. Best, Allstate is a secure choice for insuring your Lexus IS 300. Find more information about Allstate’s rates in our review of Allstate insurance.

Cons

• Higher Premiums for Add-Ons: While Allstate offers extensive add-ons, the premiums for these enhanced coverages can be relatively high for Lexus IS 300 owners.
• Variable Discounts by State: The availability and amount of discounts can vary significantly depending on the state, affecting Lexus IS 300 insurance costs.

#5 – USAA: Best for Military Savings

Pros

• Exclusive Military Discounts: USAA offers substantial discounts and benefits for military members and their families, making it an excellent choice for Lexus IS 300 owners who serve.
• Highest Multi-Vehicle Discount: At 18%, USAA provides the highest discount for those who insure more than one vehicle, like a Lexus IS 300. See how USAA’s rates compare to other insurance providers in our article titled USAA auto insurance review.
• Top-Notch Financial Stability: USAA holds an A++ rating from A.M. Best, indicating superior financial health for supporting Lexus IS 300 insurance claims.

Cons

• Limited Eligibility: USAA’s services are only available to military members, veterans, and their families, limiting access for the general Lexus IS 300 owning public.
• Restrictive Coverage Options: Some Lexus IS 300 owners may find USAA’s coverage options less flexible compared to other insurers.

#6 – Geico: Best for Cheap Rates

Pros

• Competitive Pricing: Geico is known for offering some of the most affordable rates for Lexus IS 300 auto insurance, making it a popular choice for budget-conscious drivers.
• High Customer Satisfaction: Geico’s strong customer service ratings ensure a positive experience for Lexus IS 300 insurance policyholders. Learn more about Geico’s rates in our article titled Geico auto insurance company review.
• Efficient Claims Process: Geico provides a fast and efficient claims process, reducing hassle for Lexus IS 300 owners in the event of an accident.

Cons

• Basic Coverage Options: While affordable, Geico’s coverage for Lexus IS 300 can be basic compared to more premium offerings from competitors.
• Less Personalized Service: Due to its size and focus on low-cost insurance, Geico may offer less personalized service than smaller, niche insurers for Lexus IS 300 owners.

#7 – Liberty Mutual: Best for Customizable Policies

Pros

• Highly Customizable Coverage: Liberty Mutual allows Lexus IS 300 owners to tailor their auto insurance policies extensively to suit individual needs and preferences.
• Accident Forgiveness: Liberty Mutual offers accident forgiveness options, preventing your rates from increasing after your first at-fault accident with a Lexus IS 300.
• Strong Financial Rating: An A rating from A.M. Best assures that Liberty Mutual is financially capable of handling claims for Lexus IS 300 insurance. Learn more about this provider in our thorough article titled Liberty Mutual company review.

Cons

• Higher Pricing for Customizations: Customizing your Lexus IS 300 insurance policy with Liberty Mutual can lead to higher costs compared to standard offerings.
• Inconsistent Customer Service: Some Lexus IS 300 owners may experience variability in customer service quality with Liberty Mutual, depending on the region and local agents.

#8 – Progressive: Best for Online Convenience

Pros

• Streamlined Online Services: Progressive offers advanced online tools and services, making it easy for Lexus IS 300 owners to manage their policies and file claims digitally.
• Generous Multi-Vehicle Discount: Progressive offers a 16% discount for Lexus IS 300 owners who insure multiple vehicles, enhancing affordability. Learn more about coverage options and monthly rates in our Progressive auto insurance company review.
• Rapid Quote Generation: Progressive’s technology allows for quick and accurate insurance quotes for Lexus IS 300, facilitating comparison and decision-making.

Cons

• Variable Rate Increases: Some Lexus IS 300 owners might experience rate increases at renewal, especially after filing claims.
• Mixed Reviews on Claim Satisfaction: While Progressive is convenient, some users report mixed experiences with the claims process, impacting satisfaction for Lexus IS 300 insurance.

#9 – Farmers: Best for Online App

Pros

• Innovative Mobile App: Farmers’ mobile app offers comprehensive tools for managing Lexus IS 300 insurance policies, filing claims, and accessing digital ID cards.
• Customizable Coverage Levels: Farmers provides several customizable options that allow Lexus IS 300 owners to tailor their coverage to meet specific needs.
• Dedicated Agent Network: Farmers supports its Lexus IS 300 insurance with a dedicated network of agents providing personalized service. Check out our online Farmers review for more information.

Cons

• Higher Premiums for Customizations: Enhanced coverage options for Lexus IS 300 at Farmers can come with higher premiums compared to basic plans.
• App Reliability Issues: Some users report occasional reliability issues with Farmers’ app, which could affect the management of Lexus IS 300 insurance policies.

#10 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness Programs: Travelers offers accident forgiveness policies which can prevent premium increases for Lexus IS 300 after the first accident.
• Extensive Coverage Options: Travelers provides a broad range of coverage options, including gap insurance, which is beneficial for Lexus IS 300 owners with newer models.
• Strong Financial Rating: An A++ rating from A.M. Best ensures that Travelers has the financial strength to back Lexus IS 300 claims reliably. Read more about Travelers’ ratings in our Travelers insurance review.

Cons

• Premium Costs Can Be High: While offering extensive coverage, Travelers’ premiums for Lexus IS 300 may be higher, especially for more comprehensive plans.
• Policy Customization May Increase Costs: Customizing policies to include more extensive coverage options for Lexus IS 300 can significantly increase the cost, making it less competitive.

Lexus IS 300 Auto Insurance Monthly Rates by Coverage Level & Provider

The table of monthly auto insurance rates for the Lexus IS 300 shows a significant range in costs, both for minimum and full coverage across various providers. For instance, Allstate offers the most affordable minimum coverage at $40, while Progressive presents the highest rate at $99.

Full coverage rates also vary, with Allstate again being the most cost-effective at $127 and Progressive being the most expensive at $301.

These figures highlight the disparity in pricing strategies among insurers, affecting the overall cost-effectiveness of their policies for Lexus IS 300 owners. Such a detailed breakdown assists policyholders in making informed decisions based on their coverage needs and financial situations.

Lexus IS 300 Insurance Cost

The average car insurance costs for a Lexus IS 300 are $133 a month. Check out insurance savings in our complete article titled “What is the average auto insurance cost per month?”

Lexus IS 300 Auto Insurance Monthly Rates by Coverage Type

Ultimately, while the average monthly insurance cost for a Lexus IS 300 stands at $133, rates can vary significantly based on factors like deductibles and driver risk profiles.

Are Lexus IS 300s Expensive to Insure

The chart below details how Lexus IS 300 insurance rates compare to other luxury cars like the Volvo S90, Mercedes-Benz C300, and Lexus GS 300. Discover more about offerings in our article titled “Best Volvo S90 Auto Insurance.”

Lexus IS 300 Auto Insurance Monthly Rates vs. Similar Vehicles by Coverage Type

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

Comparing insurance rates, the Lexus IS 300 offers competitive pricing relative to other luxury vehicles, making it a moderately priced option for comprehensive insurance coverage.

What Impacts the Cost of Lexus IS 300 Insurance

The cost of insurance for a Lexus IS 300 can be significantly influenced by the specific trim and model variant you select. Different trims come with varying features and engine specifications, which can affect the vehicle’s risk profile and, consequently, its insurance premiums.

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 about $133 a month, while 2016 Lexus IS 300 insurance costs approximately $130 a month, a difference of $3.

Lexus IS 300 Auto Insurance Monthly Rates by Age of the Vehicle

As the age of the Lexus IS 300 increases, the cost of insuring it decreases slightly, reflecting lower premiums for older models.

Driver Age

Driver age can have a significant impact on the cost of Lexus IS 300 auto insurance. For example, 20-year-old drivers pay as much as $169 more each month for their Lexus IS 300 auto insurance than 40-year-old drivers.

Lexus IS 3000 Auto Insurance Monthly Rates by Age

The cost of Lexus IS 300 auto insurance varies significantly with driver age, highlighting the importance of considering age-related factors when assessing potential premiums.

Driver Location

Where you live can have a large impact on Lexus IS 300 insurance rates. For example, drivers in Los Angeles may pay approximately $73 a month more than drivers in Phoenix. Access comprehensive insights into our “Do auto insurance companies check where you live?”

Lexus IS 300 Auto Insurance Monthly Rates by City

Ultimately, your location plays a crucial role in determining the cost of Lexus IS 300 insurance, with rates varying significantly from city to city.

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 auto insurance rates with violations on their driving record. Delve into our evaluation of “Should I add my teenager to my auto insurance policy?”

Lexus IS 300 Auto Insurance Monthly Rates by Age & Driving History

Maintaining a clean driving record can significantly reduce your Lexus IS 300 insurance costs, especially with State Farm’s competitive rates, while violations or accidents can lead to higher premiums.

Lexus IS 300 Safety Ratings

The Lexus IS 300’s safety ratings will affect your Lexus IS 300 car insurance rates. See the chart below:

Lexus IS 300 Safety Ratings

The Lexus IS 300’s strong safety ratings, as evaluated by the Insurance Institute for Highway Safety, highlight its reliability and could positively impact your car insurance rates.

Lexus IS 300 Crash Test Ratings

If the Lexus IS 300 crash test ratings are good, you could have lower Lexus IS 300 car insurance rates. See Lexus IS 300 crash test results below:

Lexus IS 300 Crash Test Ratings

Strong crash test ratings for the 2020 Lexus IS 300, including a 5-star overall score, can contribute to lower car insurance rates for this model.

Lexus IS 300 Safety Features

The more safety features you have on your Lexus IS 300, the more likely it is that you can earn a discount. The Lexus IS 300’s safety features include:

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

Equipping your Lexus IS 300 with its comprehensive array of safety features not only enhances protection but also significantly increases your eligibility for insurance discounts.

Lexus IS 300 Finance and Insurance Cost

If you are financing a Lexus IS 300, you will pay more if you purchase Lexus IS 300 car insurance at the dealership, so be sure to shop around and compare Lexus IS 300 car insurance quotes from the best companies using our free comparison tool below. Unlock details in our article titled “Where to Compare Auto Insurance Rates.”

Ways to Save on Lexus IS 300 Insurance

You can save more money on your Lexus IS 300 auto insurance rates by employing any of the following five strategies.

• Move to an area with a lower cost of living.
• Move to the countryside.
• Make sure you’re raising a safe driver.
• Purchase a roadside assistance program for your Lexus IS 300.
• Get cheaper Lexus IS 300 car insurance rates as a full-time parent.

To effectively reduce your Lexus IS 300 auto insurance costs, consider adopting strategies that address both your living situation and specific policy features.

Relocating to a more affordable area or investing in programs that enhance vehicle safety and security can lead to significant savings on your premiums. Discover insights in our guide titled “Auto Insurance Premium Defined.”

Top Lexus IS 300 Insurance Companies

The best auto insurance companies for Lexus IS 300 car insurance rates will offer competitive rates, discounts, and account for the Lexus IS 300’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Lexus IS 300 Auto Insurance Providers by Market Share

When choosing insurance for the Lexus IS 300, consider the top companies like State Farm, Geico, and Progressive, which lead the market in terms of volume and share. These insurers not only offer competitive rates and discounts but also take into account the vehicle’s safety features, making them preferred choices for many drivers.

By selecting a leading insurer, you ensure a blend of affordability, comprehensive coverage, and reliable service for your Lexus IS 300.

Compare Free Lexus IS 300 Insurance Quotes Online

Finding the right insurance for your Lexus IS 300 doesn’t have to be a daunting task. With our free online comparison tool, you can quickly and easily compare quotes from top insurance providers.

Start by exploring offers from leading companies like State Farm, AAA, and Nationwide, renowned for their competitive rates and comprehensive coverage options. See more details on our guide titled “State Farm Drive Safe and Save Review.”

This tool simplifies the process, allowing you to find the best policy tailored to your needs directly from the comfort of your home. Take the first step towards securing optimal coverage for your Lexus IS 300 by comparing quotes today.

Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code below into our comparison tool today.