Lexus IS F Insurance Rates
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UPDATED: May 3, 2024
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Estimated auto insurance rates for a Lexus IS F are $1,252 annually for full coverage insurance. Comprehensive costs on average $244, collision costs $372, and liability insurance costs $478. Liability-only insurance costs as little as $526 a year, with high-risk driver insurance costing around $2,700. Teen drivers pay the most at $4,828 a year or more.
Average premium for full coverage: $1,252
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all IS F models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lexus IS F go from as cheap as $526 for just liability insurance to the much higher price of $2,700 for high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas.
The example below illustrates how location impacts car insurance rates.
These rate differences illustrate why everyone should compare rates based on a specific location and their own personal driving habits, 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 illustrates estimated Lexus IS F insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $736
- Drivers who choose higher $1,000 deductibles will pay around $140 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,252
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,520
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,700 or more
- An auto insurance policy with full coverage for a teen driver for full coverage may cost $4,828 a year
Insurance prices for a Lexus IS F also have a wide range based on the model of your IS F, your risk profile, and policy deductibles and limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 additional annually, depending on your age. Lexus IS F insurance for high-risk drivers can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $410 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Lexus IS F insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,690 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, and prices will be substantially different between companies.
| 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 Buy Affordable Lexus IS F Insurance
Finding better rates on Lexus IS F insurance not only requires avoiding accidents and claims, but also having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Spend time shopping around every couple of years by getting quotes from direct insurance companies, and also from local exclusive and independent agents.
The points below are a brief review of the material that was touched on above.
- Drivers who require increased liability limits will pay about $530 annually to go from 30/60 bodily injury limits to higher 250/500 limits
- Drivers under the age of 20 pay higher prices, with premiums being up to $402 per month if they have full coverage
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,450 more each year to insure a Lexus IS F
- Increasing policy deductibles could save up to $400 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,396 |
| $500 | $1,252 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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