Lexus IS F Insurance Rates

The average insurance rates for a Lexus IS F are $1,154 a year for full coverage. Comprehensive costs on average $214 a year, collision costs $308, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,486. 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:

Rates are based on $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all states and IS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities.

The diagram below illustrates how where you live affects car insurance rates.

The examples above show why it is important to compare rates based on a specific location, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below shows estimated Lexus IS F insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $687
• Drivers who choose higher $1,000 deductibles will pay around $1,034 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,154
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,382
• High risk drivers with multiple tickets or accidents could pay upwards of $2,486 or more
• Policy cost that insures a teen driver may cost $4,516 a year

Car insurance rates for a Lexus IS F also range considerably based on the trim level of your IS F, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,500 a year. View Rates by Age

Your home state makes a big difference in Lexus IS F insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or at least $1,650 on average in Michigan, Louisiana, and New York.

Opting for high physical damage deductibles could save up to $350 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so rate quotes will be varied.

How to Find the Best Cheap Lexus IS F Insurance

Finding cheaper rates on Lexus IS F insurance not only requires not taking risks behind the wheel, but also having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop every year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following is a quick review of the coverage data touched on in the above illustrations.

• Drivers can save as much as $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Teens are expensive to insure, costing up to $376 each month if full coverage is purchased
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,330 more each year for IS F insurance