Lexus IS F Insurance Rates

The average auto insurance rates for a Lexus IS F are $1,200 annually for full coverage. Comprehensive costs approximately $228 each year, collision costs $340, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,586. Teenage drivers cost the most to insure at $4,660 a year or more.

Average premium for full coverage: $1,200

Policy rates by type of insurance:

Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and IS F models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The examples above show why all drivers should compare rates using their specific location and their own personal driving habits, 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 shows estimated Lexus IS F insurance rates for additional coverage and risk scenarios.

• The best discount rate is $711
• Drivers who choose higher $1,000 deductibles will pay $130 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,200
• Using low deductibles for comprehensive and collision insurance will cost $1,448
• High risk drivers who are prone to accidents and violations could pay around $2,586 or more
• Policy cost with full coverage for a teen driver can cost $4,660 a year

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

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $380 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus IS F insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,710 on average in New York, Louisiana, and Michigan.

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied between companies.

How to Buy More Affordable Lexus IS F Insurance

Finding cheaper rates on Lexus IS F insurance not only requires having a good driving record, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a summary of the concepts that were covered in the above illustrations.

• High-risk drivers who have multiple accidents or major violations pay on average $1,390 more per year to buy Lexus IS F insurance
• Drivers age 20 and younger are expensive to insure, costing up to $388 each month including comprehensive and collision insurance
• Drivers can save around $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $375 each year
• Drivers can save around $140 per year simply by quoting online in advance