Lexus IS F Insurance Rates

The average insurance rates for a Lexus IS F are $1,154 a year with full coverage. Comprehensive insurance costs on average $214, collision insurance costs $308, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,486 or more. Teens 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:

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all IS F models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how your location can change car insurance rates.

The examples above demonstrate why everyone should compare prices based on a specific location and risk profile, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $687
• Using higher $1,000 deductibles will save around $120 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,154
• Selecting pricier low deductibles for physical damage coverage will cost an extra $228 a year
• Drivers with serious driving violations could pay upwards of $2,486
• Policy cost for full coverage for a teen driver for full coverage may cost $4,516 or more

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.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared 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 have to pay at least $1,560 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $350 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each 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 additional every year, depending on your age. Lexus IS F insurance for high-risk drivers can be anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Lexus IS F Insurance

Finding cheaper rates on Lexus IS F insurance requires not taking risks behind the wheel, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following is a summary of the primary concepts that were illustrated above.

• You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
• High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,330 more each year for IS F insurance
• Increasing comprehensive and collision deductibles can save around $350 each year
• Teens pay higher rates, as much as $376 each month including comprehensive and collision insurance