Lexus IS F Insurance Rates

The average auto insurance rates for a Lexus IS F are $1,200 annually including full coverage. Comprehensive insurance costs approximately $228, collision costs $340, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $2,586 or more. Teens cost the most to insure at $4,660 a year or more.

Average premium for full coverage: $1,200

Policy rates by type of insurance:

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different IS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated Lexus IS F insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $711
• Choosing higher $1,000 deductibles can save $130 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,200
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $248 every year
• Unlucky drivers with serious driving violations could pay around $2,586 or more
• Policy cost with full coverage for a teen driver with full coverage can cost $4,660 each year

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

An older driver with a clean driving record and high physical damage deductibles may pay as little 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 can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance ranges as much as 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $380 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per 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 $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,710 on average in Louisiana, New York, and Michigan.

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so the rates will be varied between companies.

How to Buy the Best Cheap Lexus IS F Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a quick review of the information illustrated above.

• You may be able to save around $140 per year simply by shopping early and online
• Teen drivers are expensive to insure, with premiums being up to $388 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $375 each year
• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,390 more per year to insure their IS F
• Policyholders who purchase more liability coverage will pay approximately $520 per year to raise limits from a 30/60 limit to higher 250/500 limits