Lexus IS F Insurance Rates

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

Average premium for full coverage: $1,154

Policy rates by type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and IS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Lexus IS F insurance rates for different risk profiles and scenarios.

• The best discount rate is $687
• Choosing higher $1,000 deductibles can save around $1,034 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,154
• Using low $100 deductibles for comp and collision coverage will cost an additional $228 each year
• Drivers who are prone to accidents and violations could pay upwards of $2,486 or more
• Policy cost that insures a teenage driver may cost $4,516 each year

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy ranges around 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 only pay around $1,100 annually 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 upwards of $4,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus IS F insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,560 on average in Michigan, New York, and Florida.

Using high physical damage deductibles can save as much as $350 a year, while buying higher liability limits will cost you more. Switching 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 only way to figure out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates will be varied.

How to Find the Cheapest Lexus IS F Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare prices every time your policy renews by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a recap of the information covered in the charts and tables above.

• It is possible to save as much as $130 per year simply by quoting early and online
• Drivers under the age of 20 pay higher rates, possibly costing $376 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers that have major violations or accidents may pay on average $1,330 more each year to insure a Lexus IS F
• Consumers who require increased liability limits will pay an extra $520 annually to raise limits from a 30/60 limit to the 250/500 level