Lexus IS F Insurance Rates
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Michelle Robbins
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UPDATED: May 3, 2024
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The average insurance rates for a Lexus IS F are $1,154 a year with full coverage. Comprehensive insurance costs on average $214 a year, collision costs $308, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance 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:
Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and IS F trim levels.
Price Range Variability
For an average driver, Lexus IS F insurance rates go from as low as $522 for basic liability insurance to a high of $2,486 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities.
The diagram below illustrates the effect of geographic area on car insurance rates.
The examples above demonstrate why it is important to compare prices based on a specific location and risk profile, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below details estimated Lexus IS F insurance rates for different risk profiles and scenarios.
- The best discount rate is $687
- Using higher $1,000 deductibles will save around $1,034 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,154
- Using low $100 deductibles for physical damage coverage will cost an extra $228 each year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,486 or more
- Policy cost for full coverage for a teenage driver may cost $4,516 or more
Auto insurance rates for a Lexus IS F also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $4,500 a year. View Rates by Age
Your home state has a huge impact on Lexus IS F insurance rates. A driver around age 40 might see rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,560 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,044 | -$110 | -9.5% |
| Alaska | $884 | -$270 | -23.4% |
| Arizona | $958 | -$196 | -17.0% |
| Arkansas | $1,154 | -$0 | 0.0% |
| California | $1,316 | $162 | 14.0% |
| Colorado | $1,102 | -$52 | -4.5% |
| Connecticut | $1,186 | $32 | 2.8% |
| Delaware | $1,306 | $152 | 13.2% |
| Florida | $1,446 | $292 | 25.3% |
| Georgia | $1,064 | -$90 | -7.8% |
| Hawaii | $830 | -$324 | -28.1% |
| Idaho | $778 | -$376 | -32.6% |
| Illinois | $860 | -$294 | -25.5% |
| Indiana | $868 | -$286 | -24.8% |
| Iowa | $778 | -$376 | -32.6% |
| Kansas | $1,098 | -$56 | -4.9% |
| Kentucky | $1,574 | $420 | 36.4% |
| Louisiana | $1,706 | $552 | 47.8% |
| Maine | $712 | -$442 | -38.3% |
| Maryland | $950 | -$204 | -17.7% |
| Massachusetts | $922 | -$232 | -20.1% |
| Michigan | $2,006 | $852 | 73.8% |
| Minnesota | $966 | -$188 | -16.3% |
| Mississippi | $1,382 | $228 | 19.8% |
| Missouri | $1,024 | -$130 | -11.3% |
| Montana | $1,240 | $86 | 7.5% |
| Nebraska | $910 | -$244 | -21.1% |
| Nevada | $1,384 | $230 | 19.9% |
| New Hampshire | $830 | -$324 | -28.1% |
| New Jersey | $1,288 | $134 | 11.6% |
| New Mexico | $1,024 | -$130 | -11.3% |
| New York | $1,216 | $62 | 5.4% |
| North Carolina | $666 | -$488 | -42.3% |
| North Dakota | $946 | -$208 | -18.0% |
| Ohio | $796 | -$358 | -31.0% |
| Oklahoma | $1,186 | $32 | 2.8% |
| Oregon | $1,056 | -$98 | -8.5% |
| Pennsylvania | $1,102 | -$52 | -4.5% |
| Rhode Island | $1,540 | $386 | 33.4% |
| South Carolina | $1,046 | -$108 | -9.4% |
| South Dakota | $974 | -$180 | -15.6% |
| Tennessee | $1,012 | -$142 | -12.3% |
| Texas | $1,392 | $238 | 20.6% |
| Utah | $854 | -$300 | -26.0% |
| Vermont | $790 | -$364 | -31.5% |
| Virginia | $690 | -$464 | -40.2% |
| Washington | $894 | -$260 | -22.5% |
| West Virginia | $1,056 | -$98 | -8.5% |
| Wisconsin | $800 | -$354 | -30.7% |
| Wyoming | $1,028 | -$126 | -10.9% |
Using high physical damage deductibles could cut rates by as much as $350 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Lexus IS F | $250 | $410 | $474 | $1,292 |
| 2013 Lexus IS F | $244 | $372 | $478 | $1,252 |
| 2011 Lexus IS F | $214 | $308 | $474 | $1,154 |
| 2010 Lexus IS F | $208 | $278 | $468 | $1,112 |
Rates are averaged for all Lexus IS F models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Lexus IS F Insurance
Finding cheaper rates on auto insurance requires being a safe and courteous driver, having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates at least once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
Below is a review of the primary concepts that were covered in the above illustrations.
- You may be able to save as much as $130 per year simply by quoting early and online
- Drivers who have several accidents or serious violations may be required to pay an average of $1,330 more each year for auto insurance
- Increasing comprehensive and collision deductibles can save around $350 each year
- Teenage drivers are charged the highest rates, as much as $376 each month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,516 |
| 20 | $2,638 |
| 30 | $1,186 |
| 40 | $1,154 |
| 50 | $1,058 |
| 60 | $1,036 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,278 |
| $500 | $1,154 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,154 |
| 50/100 | $1,249 |
| 100/300 | $1,367 |
| 250/500 | $1,675 |
| 100 CSL | $1,296 |
| 300 CSL | $1,557 |
| 500 CSL | $1,747 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,390 |
| 20 | $4,206 |
| 30 | $2,518 |
| 40 | $2,486 |
| 50 | $2,376 |
| 60 | $2,352 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $45 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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