Lexus IS F Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 3, 2024

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The average insurance rates for a Lexus IS F are $1,252 a year for full coverage insurance. Comprehensive costs around $244 each year, collision costs $372, and liability costs $478. Liability-only coverage costs as little as $526 a year, with high-risk coverage costing around $2,700. Teens cost the most to insure at $4,828 a year or more.

Average premium for full coverage: $1,252

Policy rates for type of insurance:

Comprehensive $244
Collision $372
Liability $478

Prices are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and IS F models.

Price Range Variability

For the average 40-year-old driver, Lexus IS F insurance rates go from as low as $526 for the bare minimum liability coverage to a high rate of $2,700 for high-risk insurance.

Liability Only $526
Full Coverage $1,252
High Risk $2,700

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $939
Small Cities $1,315
Large Cities $1,690

The examples above illustrate why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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.

Additional Rate Information

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

  • The cheapest rate after discounts is $736
  • Drivers who choose higher $1,000 deductibles will pay about $140 each year
  • The average rate for a good driver age 40 using $500 deductibles is $1,252
  • Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,520
  • Drivers with serious driving violations could pay at least $2,700 or more
  • Policy cost for full coverage for a 16-year-old driver can be $4,828 a year

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

Your home state makes a big difference in Lexus IS F insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,690 on average in Michigan, New York, and Florida.

Lexus IS F Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,132 -$120 -9.6%
Alaska $960 -$292 -23.3%
Arizona $1,038 -$214 -17.1%
Arkansas $1,252 -$0 0.0%
California $1,426 $174 13.9%
Colorado $1,194 -$58 -4.6%
Connecticut $1,286 $34 2.7%
Delaware $1,416 $164 13.1%
Florida $1,564 $312 24.9%
Georgia $1,156 -$96 -7.7%
Hawaii $898 -$354 -28.3%
Idaho $848 -$404 -32.3%
Illinois $932 -$320 -25.6%
Indiana $942 -$310 -24.8%
Iowa $842 -$410 -32.7%
Kansas $1,190 -$62 -5.0%
Kentucky $1,706 $454 36.3%
Louisiana $1,852 $600 47.9%
Maine $772 -$480 -38.3%
Maryland $1,032 -$220 -17.6%
Massachusetts $1,000 -$252 -20.1%
Michigan $2,176 $924 73.8%
Minnesota $1,046 -$206 -16.5%
Mississippi $1,498 $246 19.6%
Missouri $1,110 -$142 -11.3%
Montana $1,346 $94 7.5%
Nebraska $986 -$266 -21.2%
Nevada $1,500 $248 19.8%
New Hampshire $902 -$350 -28.0%
New Jersey $1,398 $146 11.7%
New Mexico $1,106 -$146 -11.7%
New York $1,318 $66 5.3%
North Carolina $720 -$532 -42.5%
North Dakota $1,024 -$228 -18.2%
Ohio $864 -$388 -31.0%
Oklahoma $1,286 $34 2.7%
Oregon $1,146 -$106 -8.5%
Pennsylvania $1,194 -$58 -4.6%
Rhode Island $1,670 $418 33.4%
South Carolina $1,132 -$120 -9.6%
South Dakota $1,056 -$196 -15.7%
Tennessee $1,098 -$154 -12.3%
Texas $1,510 $258 20.6%
Utah $926 -$326 -26.0%
Vermont $856 -$396 -31.6%
Virginia $748 -$504 -40.3%
Washington $966 -$286 -22.8%
West Virginia $1,146 -$106 -8.5%
Wisconsin $866 -$386 -30.8%
Wyoming $1,116 -$136 -10.9%

Choosing higher comprehensive and collision insurance deductibles could save up to $410 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $430 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 are probably paying at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 134% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every company calculates rates differently, and rates will be varied from one company to the next.

Lexus IS F Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2014 Lexus IS F $278 $472 $464 $1,372
2013 Lexus IS F $270 $440 $474 $1,342
2011 Lexus IS F $244 $372 $478 $1,252
2010 Lexus IS F $228 $340 $474 $1,200

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 Find Affordable Lexus IS F Insurance

Finding cheaper rates on insurance for a Lexus IS F not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and taking advantage of discounts. Make time to compare rates every couple of years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a brief review of the material that was touched on in this article.

  • Insureds who may need higher levels of liability will pay approximately $530 annually to go from a 30/60 limit to 250/500 limits
  • Teenage drivers are charged the highest rates, possibly costing $402 each month including comprehensive and collision insurance
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,450 more every year for auto insurance
  • Increasing comprehensive and collision deductibles can save around $400 each year

Rates by Driver Age

Lexus IS F Insurance Rates by Driver Age
Driver Age Premium
16 $4,828
20 $2,864
30 $1,290
40 $1,252
50 $1,148
60 $1,122

Full coverage, $500 deductibles

Rates by Deductible

Lexus IS F Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,520
$250 $1,396
$500 $1,252
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

Lexus IS F Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,252
50/100 $1,348
100/300 $1,467
250/500 $1,778
100 CSL $1,395
300 CSL $1,658
500 CSL $1,850

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus IS F Insurance Rates for High Risk Drivers
Age Premium
16 $6,850
20 $4,566
30 $2,742
40 $2,700
50 $2,578
60 $2,552

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.

SR-22 Surcharge $171

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $67
Homeowner $21
5-yr Accident Free $84
5-yr Claim Free $80
Paid in Full/EFT $51
Advance Quote $59
Online Quote $88
Total Discounts $516
Rate after discounts $736

Discounts are estimated and may not be available from every company or in every state.

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