Lexus IS F Insurance Rates

The average insurance prices for a Lexus IS F are $1,154 every 12 months for full coverage insurance. Comprehensive insurance costs around $214, collision insurance costs $308, and liability insurance is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,486 or more. Teenage drivers cost the most to insure at up to $4,516 a year.

Average premium for full coverage: $1,154

Policy rates for type of insurance:

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different IS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below illustrates average Lexus IS F insurance rates for additional coverage choices and driver risks.

• The best discount rate is $687
• Raising to $1,000 deductibles will save about $120 each year
• The average price for a good driver age 40 using $500 deductibles is $1,154
• Using more expensive low deductibles costs an extra $228 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,486
• Policy cost to insure a teen driver with full coverage can be $4,516

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

Using high physical damage deductibles can reduce rates by up to $350 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Lexus IS F insurance rates. A middle-age driver might find rates as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,560 on average in Michigan, New York, and Florida.

How to Shop for Low Cost Lexus IS F Insurance

Finding cheaper rates on Lexus IS F insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to compare rates every other policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a review of the ideas that were presented in the illustrations above.

• Teens pay higher rates, possibly costing $376 each month if they have full coverage
• High-risk drivers who have several accidents or serious violations may pay on average $1,330 more every year for IS F insurance
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• It is possible to save up to $130 per year just by shopping early and online