Lexus IS F Insurance Rates

Average auto insurance rates for a Lexus IS F are $1,154 annually including full coverage. Comprehensive insurance costs approximately $214 each year, collision insurance costs $308, and liability coverage is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,486 or more. 16-year-old drivers receive the highest rates at up to $4,516 a year.

Average premium for full coverage: $1,154

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and IS F models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance prices.

These examples highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down average Lexus IS F insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $687
• Raising to $1,000 deductibles will save $120 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,154
• Buying low deductibles costs an additional $228 each year
• Unlucky drivers with multiple tickets or accidents could pay around $2,486
• The cost with full coverage for a teenage driver can cost $4,516

Auto insurance rates for a Lexus IS F can also vary considerably based on the trim level of your IS F, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $350 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Lexus IS F insurance rates. A middle-age driver might find rates as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,650 on average in Louisiana, New York, and Michigan.

How to Buy More Affordable Lexus IS F Insurance

Saving money on auto insurance consists of having a decent driving record, having above-average credit, not filing small claims, and possibly higher deductibles. Make time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following items are a summary of the data touched on in this article.

• Consumers who purchase additional liability coverage will pay around $520 per year to raise from a minimum limit to higher 250/500 limits
• You may be able to save around $130 per year just by quoting online in advance
• Increasing deductibles could save up to $350 each year
• 16 to 18-year-old drivers have the highest car insurance rates, as much as $376 per month if full coverage is included