Lexus IS F Insurance Rates

The average auto insurance rates for a Lexus IS F are $1,154 annually for full coverage. Comprehensive insurance costs approximately $214 each year, collision costs $308, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,486 or more. Teens cost the most to insure at $4,516 a year or more.

Average premium for full coverage: $1,154

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, 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

Living in a larger city has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects auto insurance prices.

The examples above show why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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 cheapest rate after discounts is $687
• Choosing higher $1,000 deductibles can save $120 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,154
• Selecting low deductibles for comp and collision coverage costs an additional $228 a year
• High-risk insureds with serious driving violations could pay around $2,486 or more
• Policy cost with full coverage for a teen driver can cost $4,516 each 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 no violations or accidents and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 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 $1,900 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 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 each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lexus IS F insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,650 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. Each auto insurer calculates rates differently, and rates will be varied between companies.

How to Buy the Right Lexus IS F Insurance

Finding cheaper rates on Lexus IS F insurance takes being a low-risk driver, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a quick rundown of the primary concepts that were presented in the illustrations above.

• Drivers can save around $130 per year simply by quoting online in advance
• High-risk drivers with reckless driving or DUI convictions pay on average $1,330 more per year to insure their IS F
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Teen drivers are the costliest to insure, costing up to $376 each month if they have full coverage