Lexus IS F Insurance Rates

The average insurance rates for a Lexus IS F are $1,200 a year with full coverage. Comprehensive insurance costs an estimated $228 a year, collision insurance costs $340, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,586 or more. 16-year-old drivers cost the most to insure at up to $4,660 a year.

Average premium for full coverage: $1,200

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and IS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area, rather than using rate averages.

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

Detailed Rate Analysis

The chart below details average Lexus IS F insurance rates for other coverage scenarios.

• The best full coverage rate is $711
• Using higher $1,000 deductibles will save approximately $1,070 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,200
• Buying low $100 deductibles for physical damage coverage will cost an additional $248 each year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,586
• Policy cost that insures a teenage driver can cost as much as $4,660 or more

Car insurance rates for a Lexus IS F also range considerably based on the trim level of your IS F, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age

Your home state has a huge impact on Lexus IS F insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Utah, Ohio, and New Hampshire, or at least $1,620 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could cut rates by as much as $380 a year, while buying higher liability limits will increase premiums. Moving 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

How to Find the Best Cheap Lexus IS F Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, having a positive credit history, not filing small claims, and possibly higher deductibles. Comparison shop at least once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below is a quick review of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $140 per year just by quoting early and online
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,390 more annually for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Teenage drivers have the highest car insurance rates, as much as $388 each month if full coverage is purchased