Lexus IS F Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 3, 2024
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The average auto insurance rates for a Lexus IS F are $1,154 annually for full coverage insurance. Comprehensive insurance costs approximately $214, collision costs $308, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,486 or more. 16-year-old 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:
Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all IS F models.
Price Range Variability
For a driver around age 40, Lexus IS F insurance rates go from as cheap as $522 for your basic liability-only policy to the much higher price of $2,486 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than congested cities.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above illustrate why everyone should compare prices using their specific location and their own personal driving habits, rather than relying on rate averages.
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.
More Rate Information
The chart below illustrates estimated Lexus IS F insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $687
- Using higher $1,000 deductibles will save $120 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,154
- Buying pricier low deductibles for physical damage coverage costs an additional $228 a year
- Drivers with multiple tickets or accidents could pay around $2,486 or more
- Policy cost with full coverage for a teen driver for full coverage can cost $4,516 or more
Insurance rates for a Lexus IS F also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $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 rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $350 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Lexus IS F insurance rates. A driver around age 40 might see rates as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,560 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and rates will be varied between companies.
| 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 Buy the Right Lexus IS F Insurance
Finding cheaper rates on Lexus IS F insurance requires being a low-risk driver, having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a quick rundown of the data covered above.
- Drivers who purchase more liability coverage will pay around $520 annually to increase from a 30/60 limit to higher 250/500 limits
- It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $350 each year
- Teen drivers are the costliest to insure, possibly costing $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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