Lexus IS F Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 3, 2024
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Estimated insurance rates for a Lexus IS F are $1,154 a year for full coverage insurance. Comprehensive insurance costs approximately $214 a year, collision costs $308, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,486 or more. Teen drivers pay the most at $4,516 a year or more.
Average premium for full coverage: $1,154
Premium estimates by type of coverage:
Price estimates include $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and IS F trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lexus IS F go from the low end price of $522 for just liability coverage to a high of $2,486 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance prices.
These rate differences illustrate why it is important to compare prices using their specific location, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below illustrates estimated Lexus IS F insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $687
- Using higher $1,000 deductibles will save $1,034 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,154
- Choosing low $100 deductibles for physical damage coverage will cost an additional $228 a year
- Drivers with multiple violations and an at-fault accident could pay around $2,486 or more
- An auto insurance policy that insures a teen driver can cost $4,516 or more
Auto insurance prices for a Lexus IS F also have a wide range based on the trim level of your IS F, your age and driving record, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 135% more than average. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,500 a year. View Rates by Age
Where you choose to live has a huge impact on Lexus IS F insurance rates. A driver around age 40 might see prices as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,560 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,044 | -$110 | -9.5% |
| Alaska | $884 | -$270 | -23.4% |
| Arizona | $958 | -$196 | -17.0% |
| Arkansas | $1,154 | -$0 | 0.0% |
| California | $1,316 | $162 | 14.0% |
| Colorado | $1,102 | -$52 | -4.5% |
| Connecticut | $1,186 | $32 | 2.8% |
| Delaware | $1,306 | $152 | 13.2% |
| Florida | $1,446 | $292 | 25.3% |
| Georgia | $1,064 | -$90 | -7.8% |
| Hawaii | $830 | -$324 | -28.1% |
| Idaho | $778 | -$376 | -32.6% |
| Illinois | $860 | -$294 | -25.5% |
| Indiana | $868 | -$286 | -24.8% |
| Iowa | $778 | -$376 | -32.6% |
| Kansas | $1,098 | -$56 | -4.9% |
| Kentucky | $1,574 | $420 | 36.4% |
| Louisiana | $1,706 | $552 | 47.8% |
| Maine | $712 | -$442 | -38.3% |
| Maryland | $950 | -$204 | -17.7% |
| Massachusetts | $922 | -$232 | -20.1% |
| Michigan | $2,006 | $852 | 73.8% |
| Minnesota | $966 | -$188 | -16.3% |
| Mississippi | $1,382 | $228 | 19.8% |
| Missouri | $1,024 | -$130 | -11.3% |
| Montana | $1,240 | $86 | 7.5% |
| Nebraska | $910 | -$244 | -21.1% |
| Nevada | $1,384 | $230 | 19.9% |
| New Hampshire | $830 | -$324 | -28.1% |
| New Jersey | $1,288 | $134 | 11.6% |
| New Mexico | $1,024 | -$130 | -11.3% |
| New York | $1,216 | $62 | 5.4% |
| North Carolina | $666 | -$488 | -42.3% |
| North Dakota | $946 | -$208 | -18.0% |
| Ohio | $796 | -$358 | -31.0% |
| Oklahoma | $1,186 | $32 | 2.8% |
| Oregon | $1,056 | -$98 | -8.5% |
| Pennsylvania | $1,102 | -$52 | -4.5% |
| Rhode Island | $1,540 | $386 | 33.4% |
| South Carolina | $1,046 | -$108 | -9.4% |
| South Dakota | $974 | -$180 | -15.6% |
| Tennessee | $1,012 | -$142 | -12.3% |
| Texas | $1,392 | $238 | 20.6% |
| Utah | $854 | -$300 | -26.0% |
| Vermont | $790 | -$364 | -31.5% |
| Virginia | $690 | -$464 | -40.2% |
| Washington | $894 | -$260 | -22.5% |
| West Virginia | $1,056 | -$98 | -8.5% |
| Wisconsin | $800 | -$354 | -30.7% |
| Wyoming | $1,028 | -$126 | -10.9% |
Choosing high deductibles could cut prices by as much as $350 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and quoted prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Lexus IS F | $250 | $410 | $474 | $1,292 |
| 2013 Lexus IS F | $244 | $372 | $478 | $1,252 |
| 2011 Lexus IS F | $214 | $308 | $474 | $1,154 |
| 2010 Lexus IS F | $208 | $278 | $468 | $1,112 |
Rates are averaged for all Lexus IS F models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Lexus IS F Insurance
Finding better rates on Lexus IS F insurance requires not taking risks behind the wheel, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around once a year by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.
The following is a condensed summary of the data that was covered in the charts and tables above.
- It is possible to save around $130 per year simply by quoting early and online
- Drivers who purchase higher liability limits will pay about $520 annually to increase from 30/60 bodily injury limits to the 250/500 level
- Teens have the highest car insurance prices, with premiums being up to $376 per month if the policy includes full coverage
- High-risk drivers with multiple at-fault accidents could be charged and average of $1,330 more per year for IS F insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,516 |
| 20 | $2,638 |
| 30 | $1,186 |
| 40 | $1,154 |
| 50 | $1,058 |
| 60 | $1,036 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,278 |
| $500 | $1,154 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,154 |
| 50/100 | $1,249 |
| 100/300 | $1,367 |
| 250/500 | $1,675 |
| 100 CSL | $1,296 |
| 300 CSL | $1,557 |
| 500 CSL | $1,747 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,390 |
| 20 | $4,206 |
| 30 | $2,518 |
| 40 | $2,486 |
| 50 | $2,376 |
| 60 | $2,352 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $45 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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