Lexus IS F Insurance Rates

U.S. 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 insurance costs $308, and liability is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs $2,486 or more. Teenage drivers pay the highest rates at up to $4,516 a year.

Average premium for full coverage: $1,154

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and IS F trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why it is important to compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $687
• Raising to $1,000 deductibles will save around $1,034 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,154
• Using low $100 deductibles will cost an additional $228 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,486
• The price that insures a 16-year-old driver may cost $4,516

Insurance prices for a Lexus IS F are also quite variable based on the trim level of your IS F, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,500 a year. View Rates by Age

The state you live in also has a big influence on Lexus IS F insurance prices. A middle-age driver might find prices 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 reduce prices by up to $350 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Lexus IS F Insurance

Getting lower rates on insurance for a Lexus IS F consists of avoiding accidents and claims, having above-average credit, not filing small claims, and determing if full coverage is necessary. Compare prices at every policy renewal by getting price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a quick review of the data covered in the above illustrations.

• Insureds who require increased liability limits will pay an extra $520 annually to raise from a low limit to the 250/500 level
• It is possible to save as much as $130 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $350 each year
• Drivers under the age of 20 pay the highest prices, as much as $376 a month if full coverage is included