Lexus IS F Insurance Rates

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UPDATED: May 3, 2024

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Average insurance rates for a Lexus IS F are $1,200 a year including full coverage. Comprehensive insurance costs an estimated $228 each year, collision costs $340, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,586 or more. 16-year-old drivers receive the highest rates at $4,660 a year or more.

Average premium for full coverage: $1,200

Rate estimates broken down by individual coverage type:

Comprehensive $228
Collision $340
Liability $474

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and IS F models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $522 for just the minimum liability insurance to a high rate of $2,586 for a high-risk driver policy.

Liability Only $522
Full Coverage $1,200
High Risk $2,586

Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $900
Small Cities $1,260
Large Cities $1,620

These examples highlight why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on rate averages.

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.

Additional Rate Analysis

The chart below breaks down estimated Lexus IS F insurance rates for other coverage scenarios.

  • The best full coverage rate is $711
  • Drivers who choose higher $1,000 deductibles will pay approximately $130 every year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,200
  • Buying low deductibles for comprehensive and collision insurance will cost an extra $248 annually
  • Drivers with multiple tickets or accidents could pay up to $2,586 or more
  • The cost for full coverage for a 16-year-old driver can cost as much as $4,660 a year

Insurance rates for a Lexus IS F can also vary considerably based on your driver profile, the model of your IS F, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

Where you live makes a big difference in Lexus IS F insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,710 on average in Louisiana, New York, and Michigan.

Lexus IS F Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,086 -$114 -9.5%
Alaska $918 -$282 -23.5%
Arizona $994 -$206 -17.2%
Arkansas $1,200 -$0 0.0%
California $1,368 $168 14.0%
Colorado $1,146 -$54 -4.5%
Connecticut $1,234 $34 2.8%
Delaware $1,358 $158 13.2%
Florida $1,500 $300 25.0%
Georgia $1,106 -$94 -7.8%
Hawaii $862 -$338 -28.2%
Idaho $810 -$390 -32.5%
Illinois $894 -$306 -25.5%
Indiana $902 -$298 -24.8%
Iowa $810 -$390 -32.5%
Kansas $1,140 -$60 -5.0%
Kentucky $1,636 $436 36.3%
Louisiana $1,774 $574 47.8%
Maine $740 -$460 -38.3%
Maryland $988 -$212 -17.7%
Massachusetts $960 -$240 -20.0%
Michigan $2,082 $882 73.5%
Minnesota $1,002 -$198 -16.5%
Mississippi $1,436 $236 19.7%
Missouri $1,064 -$136 -11.3%
Montana $1,288 $88 7.3%
Nebraska $946 -$254 -21.2%
Nevada $1,438 $238 19.8%
New Hampshire $862 -$338 -28.2%
New Jersey $1,340 $140 11.7%
New Mexico $1,064 -$136 -11.3%
New York $1,264 $64 5.3%
North Carolina $690 -$510 -42.5%
North Dakota $982 -$218 -18.2%
Ohio $826 -$374 -31.2%
Oklahoma $1,232 $32 2.7%
Oregon $1,098 -$102 -8.5%
Pennsylvania $1,144 -$56 -4.7%
Rhode Island $1,600 $400 33.3%
South Carolina $1,086 -$114 -9.5%
South Dakota $1,012 -$188 -15.7%
Tennessee $1,050 -$150 -12.5%
Texas $1,446 $246 20.5%
Utah $888 -$312 -26.0%
Vermont $822 -$378 -31.5%
Virginia $718 -$482 -40.2%
Washington $928 -$272 -22.7%
West Virginia $1,098 -$102 -8.5%
Wisconsin $832 -$368 -30.7%
Wyoming $1,068 -$132 -11.0%

Opting for high physical damage deductibles could save up to $380 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

Lexus IS F Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2014 Lexus IS F $270 $440 $474 $1,342
2013 Lexus IS F $250 $410 $474 $1,292
2011 Lexus IS F $228 $340 $474 $1,200
2010 Lexus IS F $214 $308 $474 $1,154

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 Find Cheap Lexus IS F Insurance

Saving money on insurance for a Lexus IS F not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The list below is a brief summary of the information covered above.

  • You may be able to save approximately $140 per year simply by quoting online in advance
  • Teenagers are charged the highest rates, as much as $388 per month for full coverage
  • Increasing deductibles can save around $375 each year
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,390 more annually for car insurance
  • Insureds who want higher liability limits will pay around $520 per year to go from a minimum limit to 250/500 limits

Rates by Driver Age

Lexus IS F Insurance Rates by Driver Age
Driver Age Premium
16 $4,660
20 $2,742
30 $1,234
40 $1,200
50 $1,096
60 $1,074

Full coverage, $500 deductibles

Rates by Deductible

Lexus IS F Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,448
$250 $1,334
$500 $1,200
$1,000 $1,070

Full coverage, driver age 40

Rates by Liability Limit

Lexus IS F Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,295
100/300 $1,413
250/500 $1,721
100 CSL $1,342
300 CSL $1,603
500 CSL $1,793

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus IS F Insurance Rates for High Risk Drivers
Age Premium
16 $6,602
20 $4,376
30 $2,622
40 $2,586
50 $2,470
60 $2,444

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.

SR-22 Surcharge $164

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $79
5-yr Claim Free $77
Paid in Full/EFT $48
Advance Quote $55
Online Quote $83
Total Discounts $489
Rate after discounts $711

Discounts are estimated and may not be available from every company or in every state.

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