Lexus IS F Insurance Rates

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UPDATED: May 3, 2024

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Estimated insurance rates for a Lexus IS F are $1,154 a year with full coverage. Comprehensive insurance costs around $214, collision costs $308, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,486 or more. Teens pay the most at $4,516 a year or more.

Average premium for full coverage: $1,154

Premium estimates for type of coverage:

Comprehensive $214
Collision $308
Liability $474

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different IS F trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Lexus IS F go from as low as $522 for your basic liability-only policy to a much higher rate of $2,486 for high-risk insurance.

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

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance rates.

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

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

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More Rate Information

The chart below details estimated Lexus IS F insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $687
  • Drivers who choose higher $1,000 deductibles will pay about $120 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,154
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $228 annually
  • Drivers with serious driving violations could pay at least $2,486 or more
  • An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $4,516 a year

Insurance prices for a Lexus IS F also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $4,500 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus IS F insurance prices. A 40-year-old driver could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,560 on average in Florida, Michigan, and New York.

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%

Choosing higher comprehensive and collision insurance deductibles could save up to $350 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,400 to $1,900 extra annually, depending on your age. High-risk driver insurance can cost from 42% to 135% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to compare prices from multiple companies. Every company calculates prices differently, so the prices will be substantially different from one company to the next.

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 Find the Best Cheap Lexus IS F Insurance

Finding better rates on insurance for a Lexus IS F not only requires being a low-risk driver, but also maintaining good credit, being claim-free, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a quick review of the material that was touched on in the above illustrations.

  • Insureds who may need more liability coverage will pay approximately $520 every year to go from 30/60 bodily injury limits to 250/500 limits
  • Teen drivers pay higher prices, possibly costing $376 per month for full coverage
  • Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,330 more every year to insure their IS F
  • Increasing policy deductibles can save around $350 each year

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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