Lexus IS F Insurance Rates
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Michelle Robbins
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UPDATED: May 3, 2024
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Average insurance rates for a Lexus IS F are $1,154 a year including full coverage. Comprehensive costs an estimated $214 a year, collision costs $308, and liability coverage costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,486. Teenage drivers receive the highest rates at $4,516 a year or more.
Average premium for full coverage: $1,154
Rate estimates broken down by individual coverage type:
Rate estimates include $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and IS F trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $522 for just liability insurance to a high of $2,486 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.
The diagram below illustrates how rural and urban location affects insurance prices.
These examples highlight why it is important to compare rates for a targeted area 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.
More Rate Details
The chart below breaks down estimated Lexus IS F insurance rates for other coverage scenarios.
- The best discount rate is $687
- Drivers who choose higher $1,000 deductibles will pay approximately $1,034 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,154
- Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,382
- High-risk insureds who are prone to accidents and violations could pay up to $2,486 or more
- The cost for full coverage for a teenage driver can cost as much as $4,516 a year
Auto insurance rates for a Lexus IS F can also vary considerably based on your driver profile, the model of your IS F, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $4,500 a year. View Rates by Age
Where you live makes a big difference in Lexus IS F insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,650 on average in Louisiana, 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% |
Using high physical damage deductibles could save up to $350 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 135% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out which company is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and quoted rates can be significantly different 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 the Best Lexus IS F Insurance
Saving money on auto insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around at least once a year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The following is a brief recap of the primary concepts that were raised in the charts and tables above.
- You may be able to save approximately $130 per year simply by quoting early and online
- Drivers who tend to receive serious violations may pay on average $1,330 more annually for IS F insurance
- Increasing deductibles can save around $350 each year
- Teens are the costliest to insure, as much as $376 per 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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