Lexus IS F Insurance Rates

U.S. average insurance rates for a Lexus IS F are $1,154 a year with full coverage. Comprehensive costs an estimated $214 each year, collision insurance costs $308, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $2,486. Teenage drivers pay the highest rates at up to $4,516 a year.

Average premium for full coverage: $1,154

Price estimates broken down by individual coverage:

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and IS F models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations have a lower frequency of collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above demonstrate why all drivers should compare rates quotes for a targeted area and risk profile, instead of using average rates.

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

Detailed Rate Analysis

The chart below details average Lexus IS F insurance rates for other coverage scenarios.

• The best discount rate is $687
• Raising to $1,000 deductibles will save approximately $120 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,154
• Using low deductibles will increase the cost to $1,382
• At-risk drivers who are prone to accidents and violations could pay up to $2,486
• The price for full coverage for a teen driver can cost as much as $4,516

Insurance prices for a Lexus IS F are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $4,500 a year. View Rates by Age

The state you live in also has a big influence on Lexus IS F insurance prices. A middle-age driver might find prices as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,560 on average in New York, Michigan, and Florida.

Using high physical damage deductibles can reduce prices by up to $350 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Lexus IS F Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every other policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a brief review of the ideas that were raised in the charts and tables above.

• Teens are expensive to insure, costing up to $376 a month including comprehensive and collision insurance
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,330 more annually for IS F insurance
• Increasing physical damage deductibles can save around $350 each year
• You may be able to save approximately $130 per year just by quoting online in advance