Lexus IS F Insurance Rates

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UPDATED: May 3, 2024

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U.S. average insurance prices for a Lexus IS F are $1,154 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $214 a year, collision costs $308, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,486 or more. Teens pay the highest rates at $4,516 a year or more.

Average premium for full coverage: $1,154

Price estimates broken down by individual coverage:

Comprehensive $214
Collision $308
Liability $474

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and IS F trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Lexus IS F insurance prices go from the cheapest price of $522 for minimum levels of liability insurance to a high of $2,486 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $1,154
High Risk $2,486

Geographic Price Range

Your location has a significant impact on the price of insurance. More rural locations have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects insurance prices.

Rural Areas $866
Small Cities $1,212
Large Cities $1,558

The ranges above illustrate why it is important to compare rates for a targeted area and their own driving history, rather than relying on averaged prices.

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.

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Additional Rate Details

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

  • The cheapest rate after discounts is $687
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,034 each year
  • The average price for the average middle-age driver who has $500 deductibles is $1,154
  • Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $228 a year
  • High risk drivers with serious driving violations could pay up to $2,486 or more
  • The price to insure a teen driver can cost as much as $4,516 a year

Auto insurance prices for a Lexus IS F are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $350 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Lexus IS F insurance rates. A 40-year-old driver could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,560 on average in Florida, New York, and Michigan.

Lexus IS F Insurance Rates by State
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%

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Every company calculates prices differently, and quoted prices may be quite different.

Lexus IS F Insurance Rates by Model Year
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 Shop for Cheaper Lexus IS F Insurance

Getting lower rates on Lexus IS F insurance not only requires having a good driving record, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a condensed summary of the coverage data raised in the charts and tables above.

  • It is possible to save approximately $130 per year simply by quoting early and online
  • Increasing physical damage deductibles could save as much as $350 each year
  • Drivers age 20 and younger are the costliest to insure, as much as $376 a month if comprehensive and collision insurance is included
  • High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,330 more annually to buy Lexus IS F insurance

Rates by Driver Age

Lexus IS F Insurance 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

Lexus IS F Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,382
$250 $1,278
$500 $1,154
$1,000 $1,034

Full coverage, driver age 40

Rates by Liability Limit

Lexus IS F Insurance Rates with Different Liability Limits
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

Lexus IS F Insurance 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.

SR-22 Surcharge $156

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
Rate after discounts $687

Discounts are estimated and may not be available from every company or in every state.

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