Lexus IS F Insurance Rates
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UPDATED: May 3, 2024
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Average insurance prices for a Lexus IS F are $1,252 every 12 months including full coverage. Comprehensive costs on average $244 a year, collision costs $372, and liability is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing around $2,700. Teenage drivers receive the highest rates at $4,828 a year or more.
Average premium for full coverage: $1,252
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and IS F trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from the cheapest price of $526 for just liability insurance to a high of $2,700 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates the effect of geographic area on car insurance rates.
These examples highlight why it is important to compare rates quotes based on a specific location and their own driving history, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Lexus IS F insurance rates for different risk profiles and scenarios.
- The best discount rate is $736
- Raising to $1,000 deductibles will save around $1,112 every year
- The average price for a 40-year-old driver with $500 deductibles is $1,252
- Using low $100 deductibles increases the price to $1,520
- At-risk drivers who are prone to accidents and violations could pay upwards of $2,700 or more
- The cost to insure a teen driver may cost $4,828
Insurance rates for a Lexus IS F can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your IS F.
Using high physical damage deductibles can reduce rates by up to $410 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates
Where you live also has a big influence on Lexus IS F insurance prices. A middle-age driver might find rates as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,790 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,132 | -$120 | -9.6% |
| Alaska | $960 | -$292 | -23.3% |
| Arizona | $1,038 | -$214 | -17.1% |
| Arkansas | $1,252 | -$0 | 0.0% |
| California | $1,426 | $174 | 13.9% |
| Colorado | $1,194 | -$58 | -4.6% |
| Connecticut | $1,286 | $34 | 2.7% |
| Delaware | $1,416 | $164 | 13.1% |
| Florida | $1,564 | $312 | 24.9% |
| Georgia | $1,156 | -$96 | -7.7% |
| Hawaii | $898 | -$354 | -28.3% |
| Idaho | $848 | -$404 | -32.3% |
| Illinois | $932 | -$320 | -25.6% |
| Indiana | $942 | -$310 | -24.8% |
| Iowa | $842 | -$410 | -32.7% |
| Kansas | $1,190 | -$62 | -5.0% |
| Kentucky | $1,706 | $454 | 36.3% |
| Louisiana | $1,852 | $600 | 47.9% |
| Maine | $772 | -$480 | -38.3% |
| Maryland | $1,032 | -$220 | -17.6% |
| Massachusetts | $1,000 | -$252 | -20.1% |
| Michigan | $2,176 | $924 | 73.8% |
| Minnesota | $1,046 | -$206 | -16.5% |
| Mississippi | $1,498 | $246 | 19.6% |
| Missouri | $1,110 | -$142 | -11.3% |
| Montana | $1,346 | $94 | 7.5% |
| Nebraska | $986 | -$266 | -21.2% |
| Nevada | $1,500 | $248 | 19.8% |
| New Hampshire | $902 | -$350 | -28.0% |
| New Jersey | $1,398 | $146 | 11.7% |
| New Mexico | $1,106 | -$146 | -11.7% |
| New York | $1,318 | $66 | 5.3% |
| North Carolina | $720 | -$532 | -42.5% |
| North Dakota | $1,024 | -$228 | -18.2% |
| Ohio | $864 | -$388 | -31.0% |
| Oklahoma | $1,286 | $34 | 2.7% |
| Oregon | $1,146 | -$106 | -8.5% |
| Pennsylvania | $1,194 | -$58 | -4.6% |
| Rhode Island | $1,670 | $418 | 33.4% |
| South Carolina | $1,132 | -$120 | -9.6% |
| South Dakota | $1,056 | -$196 | -15.7% |
| Tennessee | $1,098 | -$154 | -12.3% |
| Texas | $1,510 | $258 | 20.6% |
| Utah | $926 | -$326 | -26.0% |
| Vermont | $856 | -$396 | -31.6% |
| Virginia | $748 | -$504 | -40.3% |
| Washington | $966 | -$286 | -22.8% |
| West Virginia | $1,146 | -$106 | -8.5% |
| Wisconsin | $866 | -$386 | -30.8% |
| Wyoming | $1,116 | -$136 | -10.9% |
With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Lexus IS F | $278 | $472 | $464 | $1,372 |
| 2013 Lexus IS F | $270 | $440 | $474 | $1,342 |
| 2011 Lexus IS F | $244 | $372 | $478 | $1,252 |
| 2010 Lexus IS F | $228 | $340 | $474 | $1,200 |
Rates are averaged for all Lexus IS F models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Lexus IS F Insurance
Saving money on car insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and bundling your home and auto policies. Take the time to compare rates every time your policy renews by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a brief recap of the information covered in the above illustrations.
- You may be able to save as much as $150 per year simply by quoting early and online
- Teenage drivers pay the highest rates, as much as $402 per month if they have full coverage
- Increasing deductibles could save as much as $400 each year
- Higher risk drivers who tend to receive serious violations may pay on average $1,450 more each year for auto insurance
- Policyholders who require higher levels of liability will pay an extra $530 per year to raise from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,828 |
| 20 | $2,864 |
| 30 | $1,290 |
| 40 | $1,252 |
| 50 | $1,148 |
| 60 | $1,122 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,396 |
| $500 | $1,252 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,252 |
| 50/100 | $1,348 |
| 100/300 | $1,467 |
| 250/500 | $1,778 |
| 100 CSL | $1,395 |
| 300 CSL | $1,658 |
| 500 CSL | $1,850 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,850 |
| 20 | $4,566 |
| 30 | $2,742 |
| 40 | $2,700 |
| 50 | $2,578 |
| 60 | $2,552 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $51 |
| Advance Quote | $59 |
| Online Quote | $88 |
| Total Discounts | $516 |
Discounts are estimated and may not be available from every company or in every state.
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