Lexus IS F Insurance Rates

The average auto insurance rates for a Lexus IS F are $1,154 annually for full coverage insurance. Comprehensive costs approximately $214 each year, collision insurance costs $308, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $2,486. Teenage 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:

Prices are based on $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and IS F models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why all drivers should get quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below illustrates average Lexus IS F insurance rates for additional coverage and risk scenarios.

• The best discount rate is $687
• Choosing higher $1,000 deductibles can save $120 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,154
• Using low deductibles for comp and collision coverage will cost $1,382
• Higher-risk drivers who are prone to accidents and violations could pay around $2,486
• Policy cost with full coverage for a 16-year-old driver can cost $4,516 each year

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark 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 are probably paying anywhere from $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers ranges from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $350 annually, whereas increasing liability limits will push rates upward. Switching 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 plays a big part in determining prices for Lexus IS F insurance prices. A good driver about age 40 could pay as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,560 on average in Florida, New York, and Michigan.

How to Buy Affordable Lexus IS F Insurance

Finding cheaper rates on insurance for a Lexus IS F takes being safe and accident-free, having good credit, being claim-free, and consideration of higher deductibles. Make time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief review of the material that was touched on in this article.

• Insureds who purchase more liability protection will pay an extra $520 annually to raise limits from a 30/60 limit to higher 250/500 limits
• Youthful drivers are the costliest to insure, possibly costing $376 each month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,330 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $350 each year