Lexus IS F Insurance Rates

The average insurance rates for a Lexus IS F are $1,200 a year including full coverage. Comprehensive costs an estimated $228 a year, collision costs $340, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers 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 broken down by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and IS F trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

The examples above highlight why it is important to get quotes for a targeted area, rather than using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Lexus IS F insurance rates for other coverage scenarios.

• The best discount rate is $711
• Choosing higher $1,000 deductibles can save approximately $1,070 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,200
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,448
• Drivers who are prone to accidents and violations could pay up to $2,586 or more
• Policy cost that insures a teenage driver can cost as much as $4,660 each year

Insurance rates for a Lexus IS F also range considerably based on the trim level of your IS F, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

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 $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,710 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles can save as much as $380 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, so the rates will be varied.

How to Find More Affordable Lexus IS F Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices every couple of years by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The items below are a summary of the material that was illustrated above.

• Consumers who want more liability coverage will pay an extra $520 per year to raise limits from a 30/60 limit to the 250/500 level
• Teen drivers are charged the highest rates, with premiums being up to $388 each month if full coverage is included
• Drivers who have multiple accidents or major violations could be charged and average of $1,390 more annually to insure their IS F
• Increasing comprehensive and collision deductibles can save approximately $375 each year