Lexus IS F Insurance Rates

The average auto insurance rates for a Lexus IS F are $1,200 annually for full coverage insurance. Comprehensive costs around $228, collision costs $340, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,586. Teenage drivers cost the most to insure at $4,660 a year or more.

Average premium for full coverage: $1,200

Policy rates for type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different IS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Lexus IS F insurance rates for additional coverage choices and driver risks.

• The best discount rate is $711
• Choosing higher $1,000 deductibles can save about $130 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,200
• Using more expensive low deductibles for comp and collision coverage will cost $1,448
• Drivers who are prone to accidents and violations could pay at least $2,586 or more
• Policy cost with full coverage for a teenage driver with full coverage can be $4,660 each year

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

An older driver with a good driving record and high physical damage deductibles may only pay around $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 will have to pay as much as $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $380 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 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 $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

Because rates have so much variability, the only way to figure out your exact price is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

How to Buy Low Cost Lexus IS F Insurance

Finding cheaper rates on auto insurance takes being a good driver, having above-average credit, being claim-free, and maximizing policy discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a review of the ideas that were covered in the charts and tables above.

• Drivers age 16 to 20 are expensive to insure, possibly costing $388 each month if full coverage is included
• Drivers who have several accidents or serious violations pay on average $1,390 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $375 each year
• It is possible to save up to $140 per year simply by shopping early and online