Lexus IS F Insurance Rates

The average insurance rates for a Lexus IS F are $1,154 a year including full coverage. Comprehensive insurance costs an estimated $214, collision costs $308, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,486 or more. 16-year-old drivers cost the most to insure at $4,516 a year or more.

Average premium for full coverage: $1,154

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different IS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates how location helps determine insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than using rate averages.

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

More Rate Information

The chart below breaks down estimated Lexus IS F insurance rates for other coverage scenarios.

• The best full coverage rate is $687
• Drivers who choose higher $1,000 deductibles will pay approximately $120 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,154
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $228 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,486 or more
• Policy cost that insures a teenage driver with full coverage can cost as much as $4,516 a year

Insurance rates for a Lexus IS F also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age

Your home state makes a big difference in Lexus IS F insurance rates. A 40-year-old driver could pay 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.

Opting for high physical damage deductibles could save up to $350 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Every company utilizes a different rate formula, and rates will be varied.

How to Find Low Cost Lexus IS F Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a review of the material that was covered in the charts and tables above.

• Consumers who want increased liability limits will pay around $520 per year to go from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums being up to $376 each month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations could be charged and average of $1,330 more annually to insure a Lexus IS F
• Increasing comprehensive and collision deductibles can save approximately $350 each year