Lexus IS F Insurance Rates

U.S. average auto insurance rates for a Lexus IS F are $1,154 annually for full coverage. Comprehensive insurance costs approximately $214 a year, collision insurance costs $308, and liability insurance is estimated at $474. A policy with just liability insurance costs approximately $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:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and IS F trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have fewer accident claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

The ranges above show why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Details

The chart below shows 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 $1,034 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,154
• Using low $100 deductibles for comp and collision coverage costs an additional $228 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,486
• The price with full coverage for a teen driver can cost $4,516 each year

Insurance prices for a Lexus IS F are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere 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 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,650 on average in New York, Louisiana, and Michigan.

How to Buy the Best Lexus IS F Insurance

Getting lower rates on Lexus IS F insurance takes being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief recap of the material that was touched on above.

• Drivers who purchase more liability coverage will pay an extra $520 each year to raise limits from a low limit to higher 250/500 limits
• Teen drivers are expensive to insure, with premiums as much as $376 a month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations pay on average $1,330 more per year to insure their IS F
• Increasing physical damage deductibles could save up to $350 each year