Lexus IS F Insurance Rates

The average auto insurance rates for a Lexus IS F are $1,200 annually for full coverage insurance. Comprehensive costs on average $228 each year, collision insurance costs $340, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,586. Teenage drivers cost the most to insure at up to $4,660 a year.

Average premium for full coverage: $1,200

Policy rates by type of insurance:

Rate estimates include $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and IS F models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities. The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $711
• Raising to $1,000 deductibles will save around $130 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,200
• Using low deductibles will cost $1,448
• Drivers who are prone to accidents and violations could pay upwards of $2,586
• Policy cost with full coverage for a 16-year-old driver may cost $4,660

Insurance rates for a Lexus IS F also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 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 at a minimum $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $380 annually, whereas increasing liability limits will cost you more. 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 also has a big influence on Lexus IS F insurance prices. A middle-age driver might find rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

How to Buy the Best Lexus IS F Insurance

Finding cheaper rates on insurance for a Lexus IS F consists of not taking risks behind the wheel, having good credit, being claim-free, and dropping full coverage on older vehicles. Set aside time to shop around every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a brief recap of the material that was raised in the charts and tables above.

• Insureds who require higher liability limits will pay an extra $520 annually to raise from a 30/60 limit to higher 250/500 limits
• Teens pay higher rates, possibly costing $388 each month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,390 more each year for IS F insurance
• Increasing comprehensive and collision deductibles could save up to $375 each year