Lexus IS F Insurance Rates

The average insurance rates for a Lexus IS F are $1,154 a year including full coverage. Comprehensive costs on average $214, collision insurance costs $308, and liability insurance is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,486. Teenage drivers cost the most to insure at up to $4,516 a year.

Average premium for full coverage: $1,154

Policy rates by type of insurance:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. 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. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location, 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 breaks down average Lexus IS F insurance rates for different risk profiles and scenarios.

• The best discount rate is $687
• Raising to $1,000 deductibles will save around $120 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,154
• Using more expensive low deductibles bumps up the cost to $1,382
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,486
• Policy cost that insures a teen driver with full coverage may cost $4,516

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

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,400 to $1,900 additional 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

An older driver with no violations or accidents and higher comprehensive and collision 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 teens with perfect driving records should be prepared to pay upwards of $4,500 a year. View Rates by Age

Your home state also has a big influence on Lexus IS F insurance rates. A middle-age driver might find rates as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,650 on average in Michigan, New York, and Louisiana.

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

How to Find Low Cost Lexus IS F Insurance

Finding cheaper rates on Lexus IS F insurance consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare prices every time your policy renews by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a review of the information covered in the charts and tables above.

• You may be able to save as much as $130 per year just by shopping early and online
• Drivers age 20 and younger pay higher rates, with premiums being up to $376 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,330 more each year to buy Lexus IS F insurance
• Drivers who require increased levels of liability coverage will pay an extra $520 per year to raise from a 30/60 limit to the 250/500 level