Lexus IS Insurance Cost
The Lexus IS is a luxury sport sedan with an average insurance cost of $2,380/yr. It carries a IIHS Top Safety Pick safety rating and medium theft risk. See how costs break down by year below.
Quote My IS$2,380/yr
Avg. Annual Insurance
IIHS Top Safety Pick
Safety Rating
Medium
Theft Risk
Luxury Sport Sedan
Body Type
Insurance Cost by Year — Lexus IS
About Lexus IS Insurance
The Lexus IS is a popular luxury sport sedan that averages $2,380/yr in annual insurance premiums. This places it above the national average of approximately $1,770 per year.
With a IIHS Top Safety Pick safety rating, the IS is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The medium theft risk also has a moderate impact on comprehensive coverage costs.
Insurance costs vary by model year — newer ISs (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Lexus IS insurance cost?
The average insurance cost for a Lexus IS is $2,380/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Lexus IS expensive to insure?
Compared to the national average of about $1,770/yr, the Lexus IS at $2,380/yr is above average in insurance cost. As a luxury sport sedan, it falls within the typical range for its class.
What is the Lexus IS's safety rating?
The Lexus IS has a IIHS Top Safety Pick safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Lexus IS a theft target?
The Lexus IS has a medium theft risk rating. Moderate theft risk means comprehensive coverage is reasonably priced. Anti-theft devices may still qualify you for discounts.
How can I get cheap Lexus IS insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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