Lexus IS F Insurance Rates

The average insurance rates for a Lexus IS F are $1,154 a year with full coverage. Comprehensive insurance costs an estimated $214, collision insurance costs $308, and liability coverage costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,486 or more. 16-year-old drivers cost the most to insure at up to $4,516 a year.

Average premium for full coverage: $1,154

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different IS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than congested cities. The price range example below illustrates how location helps determine insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, 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 $687
• Drivers who choose higher $1,000 deductibles will pay approximately $120 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,154
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $228 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,486
• Policy cost for full coverage for a teenage driver with full coverage can cost as much as $4,516 a year

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

An older driver with a clean driving record and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,500 a year. View Rates by Age

Your home state makes a big difference in Lexus IS F insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or at least $1,560 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could save up to $350 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

How to Find the Best Lexus IS F Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief recap of the car insurance concepts covered in the charts and tables above.

• Drivers who tend to receive serious violations may pay on average $1,330 more annually than a safer driver
• You may be able to save approximately $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $350 each year
• Consumers who want an increased level of liability coverage will pay around $520 every year to go from a 30/60 limit to 250/500 limits