Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 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. Full coverage averages $1,598 a year or $133 a month.

Good drivers save up to $659 a year in policy discounts by practicing safe driving habits. We’re going to take a quick 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 car insurance costs for a Lexus IS 300 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 Volvo S90, Mercedes-Benz C300, and Lexus GS 300.

Vehicle Comprehensive Collision Liability Total
Lexus IS 300 $356 $686 $398 $1,598
Volvo S90 $356 $714 $398 $1,626
Mercedes-Benz C300 $404 $718 $372 $1,652
Lexus GS 300 $344 $656 $338 $1,474
Jaguar XF $406 $804 $398 $1,766
Audi A6 $382 $744 $398 $1,682
Lexus IS 350 $344 $686 $398 $1,586
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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 the cost of Lexus IS 300 auto insurance. For example, 20-year-old drivers pay as much as $2,025 more each year for their Lexus IS 300 auto insurance than 40-year-old drivers.

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 auto insurance rates with violations on their driving record.

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:

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
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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:

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 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:

  • 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, 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 tool below.

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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

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.

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 car insurance rates from some of the best car insurance companies by using our free online tool now.