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 around $214 a year, collision insurance costs $308, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,486 or more. Teenage drivers cost the most to insure at up to $4,516 a year.

Average premium for full coverage: $1,154

Policy rates for type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and IS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code, instead of using average rates.

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

More Rate Details

The chart below breaks down average Lexus IS F insurance rates for additional coverage choices and driver risks.

• The best discount rate is $687
• Drivers who choose higher $1,000 deductibles will pay about $1,034 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,154
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $228 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,486
• Policy cost that insures a teen driver can be $4,516 a year

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

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,500 a year. View Rates by Age

Your home state makes a big difference in Lexus IS F insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,650 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles could save up to $350 every year, while buying higher liability limits will increase rates. 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

How to Find Cheaper Lexus IS F Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare prices once a year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The list below is a condensed summary of the data that was covered above.

• You may be able to save up to $130 per year just by quoting early and online
• Policyholders who may need higher liability limits will pay an extra $520 per year to go from a 30/60 limit to the 250/500 level
• Teenagers are charged the highest rates, with premiums being up to $376 each month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,330 more every year for car insurance