Lexus IS F Insurance Rates

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UPDATED: May 3, 2024

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The average insurance rates for a Lexus IS F are $1,154 a year including full coverage. Comprehensive insurance costs an estimated $214, collision costs $308, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,486 or more. 16-year-old drivers cost the most to insure at $4,516 a year or more.

Average premium for full coverage: $1,154

Policy rates broken down by type of insurance:

Comprehensive $214
Collision $308
Liability $474

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different IS F trim levels.

Price Range Variability

For a driver in their 40's, Lexus IS F insurance rates go from the low end price of $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

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates how location helps determine insurance prices.

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

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than using rate averages.

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

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More Rate Information

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

  • The best full coverage rate is $687
  • Drivers who choose higher $1,000 deductibles will pay approximately $120 every year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,154
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $228 each year
  • High-risk insureds with multiple tickets or accidents could pay up to $2,486 or more
  • Policy cost that insures a teenage driver with full coverage can cost as much as $4,516 a year

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

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

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age

Your home state makes a big difference in Lexus IS F insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,650 on average in Louisiana, 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%

Opting for high physical damage deductibles could save up to $350 a year, while increasing your policy's liability limits will increase premiums. 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

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Every company utilizes a different rate formula, and rates will be varied.

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 Low Cost Lexus IS F Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a review of the material that was covered in the charts and tables above.

  • Consumers who want increased liability limits will pay around $520 per year to go from a 30/60 limit to the 250/500 level
  • Drivers under the age of 20 are expensive to insure, with premiums being up to $376 each month if comprehensive and collision insurance is included
  • Drivers who have several accidents or serious violations could be charged and average of $1,330 more annually to insure a Lexus IS F
  • Increasing comprehensive and collision deductibles can save approximately $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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