Lexus IS F Insurance Rates

The average auto insurance rates for a Lexus IS F are $1,154 annually for full coverage. Comprehensive costs on average $214, collision insurance costs $308, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,486. 16-year-old drivers cost the most to insure at up to $4,516 a year.

Average premium for full coverage: $1,154

Policy rates by type of insurance:

Includes $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different IS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities. The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below shows average Lexus IS F insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $687
• Drivers who choose higher $1,000 deductibles will pay around $120 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,154
• Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,382
• Drivers with multiple tickets or accidents could pay upwards of $2,486
• Policy cost with full coverage for a 16-year-old driver with full coverage may cost $4,516 a year

Insurance rates for a Lexus IS F also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age

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

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

Your home state makes a big difference in Lexus IS F insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or at least $1,650 on average in Michigan, Louisiana, and New York.

How to Buy the Cheapest Lexus IS F Insurance

Finding cheaper rates on insurance for a Lexus IS F not only requires being a safe and courteous driver, but also having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around at least once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below is a recap of the primary concepts that were raised in the charts and tables above.

• Drivers can save as much as $130 per year just by shopping early and online
• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,330 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Teenage drivers pay higher rates, costing up to $376 each month if they have full coverage