Lexus IS F Insurance Rates

The average insurance rates for a Lexus IS F are $1,154 a year for full coverage. Comprehensive insurance costs on average $214, collision costs $308, and liability costs around $474. Liability-only coverage costs as low 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 by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using price averages.

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

Detailed Rate Analysis

The chart below shows estimated Lexus IS F insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $687
• Using higher $1,000 deductibles will save around $120 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,154
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $228 every year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,486 or more
• Policy cost for full coverage for a teen driver with full coverage may cost $4,516 or more

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

An older driver with no violations or accidents and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

Your home state has a huge impact on Lexus IS F insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,650 on average in Michigan, Louisiana, and New York.

Choosing high deductibles could cut rates by as much as $350 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 additional every year, depending on your age. High-risk driver insurance can be as much as 42% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and rates will be varied from one company to the next.

How to Find Cheaper Lexus IS F Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates at least every other year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following items are a condensed summary of the car insurance concepts covered above.

• Higher risk drivers with multiple at-fault accidents will pay on average $1,330 more each year than a driver with a clean driving record
• Drivers can save as much as $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $350 each year
• Policyholders who require additional liability coverage will pay about $520 each year to increase from a 30/60 limit to 250/500 limits