Lexus IS F Insurance Rates
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Michelle Robbins
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UPDATED: May 3, 2024
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The average insurance prices for a Lexus IS F are $1,154 every 12 months with full coverage. Comprehensive insurance costs an estimated $214, collision costs $308, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,486 or more. Teen drivers cost the most to insure at $4,516 a year or more.
Average premium for full coverage: $1,154
Policy rates broken down by type of insurance:
Includes $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different IS F trim levels.
Price Range Variability
For the normal driver, Lexus IS F insurance rates go from the cheapest price of $522 for just liability insurance to a much higher rate of $2,486 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas.
The price range example below illustrates how geographic area affects insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than relying on price 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.
More Rate Details
The chart below details estimated Lexus IS F insurance rates for other coverage scenarios.
- The lowest rate with discounts is $687
- Drivers who choose higher $1,000 deductibles will pay approximately $120 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,154
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $228 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,486 or more
- Policy cost to insure a teen 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 liability limits and deductibles, your driving record, and the model year and trim level.
Choosing high deductibles could save up to $350 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates
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 as much as $1,560 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,044 | -$110 | -9.5% |
| Alaska | $884 | -$270 | -23.4% |
| Arizona | $958 | -$196 | -17.0% |
| Arkansas | $1,154 | -$0 | 0.0% |
| California | $1,316 | $162 | 14.0% |
| Colorado | $1,102 | -$52 | -4.5% |
| Connecticut | $1,186 | $32 | 2.8% |
| Delaware | $1,306 | $152 | 13.2% |
| Florida | $1,446 | $292 | 25.3% |
| Georgia | $1,064 | -$90 | -7.8% |
| Hawaii | $830 | -$324 | -28.1% |
| Idaho | $778 | -$376 | -32.6% |
| Illinois | $860 | -$294 | -25.5% |
| Indiana | $868 | -$286 | -24.8% |
| Iowa | $778 | -$376 | -32.6% |
| Kansas | $1,098 | -$56 | -4.9% |
| Kentucky | $1,574 | $420 | 36.4% |
| Louisiana | $1,706 | $552 | 47.8% |
| Maine | $712 | -$442 | -38.3% |
| Maryland | $950 | -$204 | -17.7% |
| Massachusetts | $922 | -$232 | -20.1% |
| Michigan | $2,006 | $852 | 73.8% |
| Minnesota | $966 | -$188 | -16.3% |
| Mississippi | $1,382 | $228 | 19.8% |
| Missouri | $1,024 | -$130 | -11.3% |
| Montana | $1,240 | $86 | 7.5% |
| Nebraska | $910 | -$244 | -21.1% |
| Nevada | $1,384 | $230 | 19.9% |
| New Hampshire | $830 | -$324 | -28.1% |
| New Jersey | $1,288 | $134 | 11.6% |
| New Mexico | $1,024 | -$130 | -11.3% |
| New York | $1,216 | $62 | 5.4% |
| North Carolina | $666 | -$488 | -42.3% |
| North Dakota | $946 | -$208 | -18.0% |
| Ohio | $796 | -$358 | -31.0% |
| Oklahoma | $1,186 | $32 | 2.8% |
| Oregon | $1,056 | -$98 | -8.5% |
| Pennsylvania | $1,102 | -$52 | -4.5% |
| Rhode Island | $1,540 | $386 | 33.4% |
| South Carolina | $1,046 | -$108 | -9.4% |
| South Dakota | $974 | -$180 | -15.6% |
| Tennessee | $1,012 | -$142 | -12.3% |
| Texas | $1,392 | $238 | 20.6% |
| Utah | $854 | -$300 | -26.0% |
| Vermont | $790 | -$364 | -31.5% |
| Virginia | $690 | -$464 | -40.2% |
| Washington | $894 | -$260 | -22.5% |
| West Virginia | $1,056 | -$98 | -8.5% |
| Wisconsin | $800 | -$354 | -30.7% |
| Wyoming | $1,028 | -$126 | -10.9% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from as many companies as possible. Every company uses a different rate calculation, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Lexus IS F | $250 | $410 | $474 | $1,292 |
| 2013 Lexus IS F | $244 | $372 | $478 | $1,252 |
| 2011 Lexus IS F | $214 | $308 | $474 | $1,154 |
| 2010 Lexus IS F | $208 | $278 | $468 | $1,112 |
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 Cheapest Lexus IS F Insurance
Finding cheaper rates on Lexus IS F insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates every year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
Below you'll find a recap of the coverage data presented in the illustrations above.
- You may be able to save approximately $130 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $350 each year
- Youthful drivers are expensive to insure, as much as $376 each month if full coverage is included
- High-risk drivers that have major violations or accidents may pay on average $1,330 more annually than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,516 |
| 20 | $2,638 |
| 30 | $1,186 |
| 40 | $1,154 |
| 50 | $1,058 |
| 60 | $1,036 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,278 |
| $500 | $1,154 |
| $1,000 | $1,034 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,154 |
| 50/100 | $1,249 |
| 100/300 | $1,367 |
| 250/500 | $1,675 |
| 100 CSL | $1,296 |
| 300 CSL | $1,557 |
| 500 CSL | $1,747 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,390 |
| 20 | $4,206 |
| 30 | $2,518 |
| 40 | $2,486 |
| 50 | $2,376 |
| 60 | $2,352 |
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 | $60 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $45 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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