Cheap Lexus IS F Car Insurance in 2024 (Big Savings With These 10 Companies!)
If looking for cheap Lexus IS F car insurance, Progressive, State Farm, and AAA emerge are top picks, offering rates starting at $66 per month. These companies stand out for their competitive pricing and comprehensive coverage options tailored to car insurance needs, making them ideal choices for Lexus IS F.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Aug 19, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviews
Company Facts
Min. Coverage for Lexus IS F
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
17,757 reviews
Company Facts
Min. Coverage for Lexus IS F
A.M. Best Rating
Complaint Level
Pros & Cons
17,757 reviews
2,934 reviews
Company Facts
Min. Coverage for Lexus IS F
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviews
When seeking cheap Lexus IS F car insurance, finding the best providers is crucial. Progressive emerges as the top pick overall, known for its competitive rates and user-friendly tools.
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $66 A+ Online Convenience Progressive
#2 $70 B Many Discounts State Farm
#3 $74 A Local Agents AAA
#4 $77 A++ Cheap Rates Geico
#5 $79 A Customizable Polices Liberty Mutual
#6 $83 A Student Savings American Family
#7 $87 A++ Military Savings USAA
#8 $90 A++ Accident Forgiveness Travelers
#9 $97 A+ Usage Discount Nationwide
#10 $101 A Local Agents Farmers
In this article, we’ll delve into the factors that affect the cost of Lexus IS F car insurance and provide you with an in-depth understanding of insurance rates for this remarkable vehicle.
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#1 – Progressive: Top Overall Pick
Pros
- User-Friendly Website: Progressive offers a highly accessible online platform for managing policies. See more details on our guide “Progressive Insurance Review & Ratings.”
- Online Quotes: Customers can easily obtain quotes and purchase policies online without extensive wait times.
- Digital Tools: Progressive provides innovative digital tools for claims processing and policy management.
Cons
- Limited Local Agent Interaction: Despite online convenience, Progressive may offer less direct interaction with local agents for personalized service.
- Varied Customer Service Reviews: Customer experiences with Progressive’s online services can vary widely in terms of satisfaction.
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#2 – State Farm: Best for Many Discounts
Pros
- Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
- Wide Coverage: State Farm offers various coverage options tailored for different business needs. Learn more in our article called “State Farm Insurance Review & Ratings.”
Cons
- Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
- Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.
#3 – AAA: Best for Local Agents
Pros
- Personalized Service: AAA provides personalized customer service through local agents.
- Member Discounts: AAA offers exclusive discounts and benefits for its members. Read up on the “AAA Insurance Review & Ratings” for more information.
- Roadside Assistance: AAA includes comprehensive roadside assistance in many of its insurance packages.
Cons
- Membership Required: Requires AAA membership to access certain discounts and services.
- Limited Online Tools: Online management tools may not be as advanced as other companies.
#4 – Geico: Best for Cheap Rates
Pros
- Competitive Premiums: Geico is known for offering some of the lowest rates in the industry.
- Online Tools: Geico provides easy-to-use online tools for policy management and claims. Check out insurance savings in our complete guide titled “Do Geico employees get car insurance discounts.”
- Mobile App: Geico’s mobile app allows customers to manage policies, file claims, and get roadside assistance easily.
Cons
- Limited Coverage Options: Geico may have fewer customizable coverage options compared to other insurers.
- Customer Service Variability: Customer service experiences with Geico can vary based on individual interactions.
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#5 – Liberty Mutual: Best for Customizable Policies
Pros
- Tailored Coverage: Liberty Mutual offers a wide range of customizable policies to suit individual needs.
- Discounts: Liberty Mutual provides various discounts, such as multi-policy and safety discounts.
- Digital Tools: Liberty Mutual offers robust digital tools for policy management and claims. Discover more about offerings in our article titled “Liberty Mutual Review & Ratings.”
Cons
- Premium Costs: The flexibility of customizable policies may come at a higher premium cost.
- Complexity: With many options for customization, navigating Liberty Mutual’s policy offerings can be complex for some customers.
#6 – American Family: Best for Student Savings
Pros
- Good Student Discount: American Family offers discounts for students with good grades.
- Local Agents: American Family provides personalized service through local agents. Unlock details in our titled “American Family Insurance Review & Ratings.”
- Customer Satisfaction: American Family is known for high customer satisfaction ratings.
Cons
- Limited Availability: American Family’s insurance products may not be available nationwide.
- Policy Options: The range of policy options and discounts may not be as extensive as some larger insurers.
#7 – USAA: Best for Military Savings
Pros
- Exclusive Coverage: USAA offers specialized insurance products tailored for military members and their families.
- Excellent Customer Service: USAA consistently receives high ratings for customer service. Check out insurance savings in our complete “USAA Insurance Review & Ratings.”
- Financial Strength: USAA is known for its strong financial stability and claims-paying ability.
Cons
- Membership Limitation: USAA insurance products are only available to military members, veterans, and their families.
- Limited Coverage Area: USAA’s insurance services may have limited availability depending on geographical location.
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#8 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Travelers offers accident forgiveness programs that prevent rate increases after the first accident. Discover more about offerings in our article titled “Travelers Insurance Review & Ratings.”
- Wide Range of Coverage: Travelers provides a comprehensive range of insurance coverage options.
- Financial Strength: Travelers has a strong financial stability rating.
Cons
- Premiums: Travelers’ premiums may be higher compared to some competitors, despite accident forgiveness.
- Claims Process: Some customers report mixed reviews regarding the claims process efficiency.
#9 – Nationwide: Best for Usage Discount
Pros
- Usage-Based Discounts: Nationwide offers discounts based on driving habits and usage.
- Customer Service: Nationwide is recognized for its responsive customer service. Check out insurance savings in our complete guide “Nationwide Insurance Review & Ratings.”
- Online Tools: Nationwide provides easy-to-use online tools for policy management.
Cons
- Limited Availability: Nationwide’s coverage and discounts may vary depending on location.
- Premiums: Despite discounts, premiums at Nationwide may still be relatively high for certain demographics.
#10 – Farmers: Best for Local Agents
Pros
- Personalized Service: Farmers Insurance provides personalized service through local agents.
- Coverage Options: Farmers offers a wide range of insurance products and coverage options.
- Discounts: Farmers provides various discounts, including multi-policy and safety discounts. Discover more about offerings in our “Farmers Insurance Review & Ratings.”
Cons
- Premiums: Farmers’ premiums may be higher compared to some competitors, particularly for certain coverage levels.
- Claims Process: Customer satisfaction with Farmers’ claims process can vary based on individual experiences.
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Lexus IS F Insurance Monthly Rates Comparison by Coverage Level & Provider
The table below outlines the monthly insurance rates for the Lexus IS F across various coverage levels and providers. It provides insights into the cost variations between minimum coverage and full coverage options offered by leading insurance companies. Learn more in our article called “Full Coverage Car Insurance: A Complete Guide.”
Insurance Company Minimum Coverage Full Coverage
AAA $74 $169
American Family $83 $179
Farmers $101 $196
Geico $77 $172
Liberty Mutual $79 $174
Nationwide $97 $193
Progressive $66 $154
State Farm $70 $164
Travelers $90 $190
USAA $87 $184
When considering insurance for the Lexus IS F, the rates vary significantly depending on the coverage level and insurer. For minimum coverage, Progressive offers the most economical option at $66 per month, followed closely by Geico at $77. American Family and State Farm fall within a similar range at $83 and $70, respectively.
On the other hand, for full coverage, Farmers emerges with the highest rate at $196 monthly, indicating a premium for comprehensive protection. Liberty Mutual and Nationwide offer competitive rates at $174 and $193, respectively, while AAA provides the most affordable full coverage option at $169 monthly. Travelers and USAA present rates of $190 and $184, positioning them in the mid-range for full coverage premiums.
These figures highlight the importance of comparing insurance quotes to find the best balance between cost and coverage suited to individual needs and budget considerations.
Factors That Affect the Cost of Lexus IS F Car Insurance
Several factors contribute to the insurance premiums for a Lexus IS F. The vehicle’s high value as a luxury sports sedan with robust performance capabilities is a primary determinant, as repairs or replacements are costly. Insurance providers also consider the driver’s age, with younger drivers, particularly those under 25, facing higher premiums due to perceived accident risks.
A driver’s record is crucial; a history of violations or claims increases rates, whereas a clean record can lead to lower premiums. Geographic location matters too, with urban areas and regions prone to severe weather or higher crime rates typically commanding higher insurance costs.
Lastly, the type of coverage chosen, whether comprehensive or basic liability, significantly influences insurance rates based on the extent of protection provided. Read up on the “Liability Insurance: A Complete Guide” for more information.
Understanding the Insurance Rates for a Lexus IS F
Due to the unique characteristics of the Lexus IS F, insurance rates for this high-performance vehicle tend to be higher than average. While actual insurance rates can vary depending on various factors, it is not uncommon for owners of the Lexus IS F to face higher premiums compared to other vehicles in the same price range.
The powerful engine, advanced technological features, and overall value of the Lexus IS F contribute to the increased insurance costs. It’s important to recognize that insurance rates are not solely based on the vehicle itself but also take into account factors such as the driver’s history, location, and chosen coverage options.
More information is available about this provider in our guide titled “Car Insurance: A Complete Guide.”
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Average Cost of Insuring a Lexus IS F in Different Cities
Insurance rates can differ significantly depending on the city and state where you reside. Factors such as population density, traffic congestion, and crime rates can influence insurance costs for a Lexus IS F. To provide you with a better understanding, let’s explore the average annual insurance premiums for the Lexus IS F in a few major cities in the United States:
- New York City, NY: The average monthly cost of insuring a Lexus IS F in New York City is around $291 to $333.
- Los Angeles, CA: In Los Angeles, the average monthly insurance premium for a Lexus IS F is approximately $250 to $291.
- Miami, FL: The average cost of insuring a Lexus IS F in Miami ranges from $250 to $291 per month.
It’s important to note that these figures represent general averages, and your specific circumstances may result in higher or lower insurance rates. Read up on the “Most Stolen Cars in Indiana” for more information.
Demystifying the Components of Lexus IS F Car Insurance Premiums
When obtaining a quote for Lexus IS F car insurance, it’s crucial to grasp the factors influencing the overall premium. Key components include liability coverage, which is mandatory in many states and covers damages to others in accidents where you’re at fault.
Collision coverage pays for repairs to your vehicle after an accident, regardless of fault, while comprehensive coverage safeguards against non-collision incidents like theft and natural disasters.
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Your deductible, the amount you pay before insurance coverage begins, affects premiums higher deductibles usually mean lower premiums. Optional additions like uninsured motorist protection and roadside assistance can enhance coverage but may raise your premium. Check out insurance savings in our complete article called “What is the difference between a deductible and a premium in car insurance?”
Comparing Insurance Rates For Different Models Of Lexus Cars
The cost of insuring a Lexus IS F can vary compared to other models in the Lexus lineup. Let’s take a look at how insurance rates might differ for popular Lexus models:
- Lexus ES: As a luxury mid-size sedan, the Lexus ES generally has lower insurance costs compared to the high-performance IS F.
- Lexus RX: The Lexus RX, a luxury SUV, could have slightly higher insurance rates compared to the ES but still likely lower than the IS F due to its different design and performance characteristics.
- Lexus GS: The Lexus GS, another luxury sedan, might fall in a similar insurance range to the ES depending on the selected trim level.
- Lexus LC: The Lexus LC, a high-end luxury coupe, may have higher insurance rates compared to the ES and GS models due to its powerful engine and premium features.
It’s important to note that these are general comparisons, and individual insurance rates can still vary depending on other factors such as driver history and location. Discover more about offerings in our article called “Best Car Insurance by Vehicle.”
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Tips to Lower Your Insurance Costs for a Lexus IS F
Exploring the Coverage Options Available for a Lexus IS F
When insuring a Lexus IS F, you can choose from various coverage options to meet your specific needs. Here are some common coverage options available:
- Liability Coverage: Required by law in most states, liability coverage ensures that you are financially protected if you cause an accident that results in injuries or property damage to others.
- Collision Coverage: Collision coverage provides compensation for damages to your Lexus IS F if you are involved in an accident, regardless of fault.
- Comprehensive Coverage: Comprehensive coverage protects your vehicle against non-collision incidents such as theft, vandalism, natural disasters, and falling objects.
- Uninsured/Underinsured Motorist (UM/UIM) Coverage: This coverage protects you and your vehicle if you are involved in an accident with a driver who has insufficient insurance or no insurance at all.
- Personal Injury Protection (PIP): PIP coverage pays for medical expenses, lost wages, and other related costs regardless of fault if you or your passengers are injured in an accident.
Consult with your insurance provider to assess your individual needs and determine the coverage options that are most suitable for your Lexus IS F. Delve into our evaluation of “Personal Injury Protection (PIP) Insurance.”
How Your Driving Record Impacts the Cost of Insuring a Lexus IS F
Your driving record is one of the most critical factors insurance companies consider when calculating premiums for a Lexus IS F. A history of traffic violations, accidents, or claims can lead to higher insurance rates. Insurance providers view drivers with a clean driving record as less of a risk, making them eligible for lower premiums.
If you have previous traffic violations or accidents on your record, insurance providers may consider you a higher-risk driver, resulting in higher insurance premiums for your Lexus IS F. However, with time and a continued clean driving record, you may be able to lower your insurance costs in the future. Unlock details in our article called “Best Safe Driver Car Insurance Discounts.”
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Location’s Impact on Lexus IS F Insurance Rates
The location where you reside can significantly impact your insurance rates for a Lexus IS F. Insurance companies consider factors such as population density, traffic congestion, crime rates, and local weather conditions when calculating premiums.
Urban areas with higher population densities and more traffic congestion tend to have higher insurance rates due to the increased likelihood of accidents and theft. Additionally, areas with a higher incidence of severe weather events and higher crime rates can also lead to higher insurance costs for your Lexus IS F. Discover insights in our article called “Best Anti Theft System Car Insurance Discounts.”
On the other hand, living in a suburban or rural area with lower population densities and less traffic congestion may result in lower insurance premiums for your high-performance vehicle. It’s important to discuss your specific location with your insurance provider to understand how it may impact your rates.
Is It More Expensive to Insure a New or Used Lexus IS F
Insurance rates for a Lexus IS F can differ slightly based on whether it is a new or used vehicle. Generally, insuring a new car, including a Lexus IS F, tends to be more expensive compared to insuring a used car. There are several reasons for this:
- Vehicle Value: With a new car, the value is higher, and insurance providers consider the increased cost of repair or replacement in case of an accident or theft. As a result, insurance premiums are typically higher for new cars compared to used ones.
- Advanced Safety Features: Newer Lexus IS F models may have the latest safety features and advanced technology, which insurance companies view as positive factors but also contribute to higher premiums due to the increased cost of repairs.
- Financing Requirements: If you finance a new Lexus IS F, your lender will likely require comprehensive and collision coverage, further increasing your insurance costs. However, with a used car, you may have more flexibility in choosing the coverage options that suit your needs and budget.
While insurance for a new Lexus IS F may be more expensive, it’s important to note that individual circumstances may vary. Factors such as your driving record, location, and chosen coverage options will also impact the insurance costs for both new and used Lexus IS F vehicles. If you want to learn more about the company, head to our article called “Types of Car Insurance Coverage.”
Decoding Affordable Insurance for Luxury Vehicles like the Lexus IS F
While it can be more expensive to insure a luxury vehicle such as the Lexus IS F, there are effective ways to potentially reduce insurance costs while maintaining adequate coverage. Here are some tips for obtaining affordable insurance for your Lexus IS F:
Firstly, research and compare insurance quotes from various providers to find the most competitive rates. Each insurer assesses risk differently, so comparing quotes is crucial to securing favorable premiums.
Consider opting for higher deductibles, which can lower your insurance premiums. Ensure you can comfortably afford the higher deductible amount in case you need to make a claim. Learn more in our guide titled, “How to Document Damage for Car Insurance Claims.”
Explore available discounts with your insurer, such as those for good drivers, bundling policies, and safety features. Taking advantage of these discounts can significantly reduce your insurance expenses.
Carefully evaluate your coverage needs and select options that are essential. Comprehensive coverage provides extensive protection but may not be cost-effective for older Lexus IS F models.
Maintaining a strong credit score can also positively impact your insurance rates. Insurers often consider credit history when determining premiums, as it correlates with insurance risk.
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Is Comprehensive Coverage Necessary for a Lexus IS F
When deciding on insurance coverage for a Lexus IS F, the question of whether comprehensive coverage is necessary often arises. Comprehensive coverage typically protects against non-collision incidents such as theft, vandalism, natural disasters, and damage from animals.
For owners of a high-value vehicle like the Lexus IS F, comprehensive coverage may offer peace of mind by ensuring extensive protection beyond basic liability and collision insurance.
However, the necessity of comprehensive coverage depends on various factors, including the vehicle’s value, personal financial situation, and individual risk tolerance. Assessing these factors can help determine if comprehensive coverage is a prudent choice to safeguard your investment in a Lexus IS F.
Read up on the “Collision vs. Comprehensive Car Insurance: Which coverage is right for you?” for more information.
Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.
Frequently Asked Questions
What factors affect the cost of insurance for a Lexus IS F?
The cost of insurance for a Lexus IS F can be influenced by various factors including the driver’s age, location, driving record, credit score, coverage options, deductible amount, and the insurance company’s policies.
Explore our resource on “What age do you get a discount on car insurance?” to gain insights into eligibility for discounted car insurance based on age.
Is the cost of insurance for a Lexus IS F higher compared to other Lexus models?
In general, the cost of insurance for a Lexus IS F is likely to be higher compared to other Lexus models. This is because the IS F is a high-performance vehicle with a powerful engine, which can increase the risk of accidents and the cost of repairs.
Are there any discounts available to lower the cost of insurance for a Lexus IS F?
Yes, there are various discounts that may help reduce the cost of insurance for a Lexus IS F. These can include discounts for having multiple policies with the same insurance company, being a safe driver, having anti-theft devices installed in the vehicle, or being a member of certain professional organizations.
Are there any specific insurance requirements for a Lexus IS F?
While insurance requirements vary by state, a Lexus IS F is typically required to have at least the minimum liability coverage mandated by the state. Additionally, if the vehicle is financed or leased, the lender or leasing company may require comprehensive and collision coverage.
How can I find the best insurance rates for a Lexus IS F?
To find the best insurance rates for a Lexus IS F, it’s recommended to shop around and compare quotes from multiple insurance companies. Additionally, maintaining a clean driving record, opting for a higher deductible
To find out more, explore our guide titled “Does my car insurance cover damage caused by an overheated engine?”
What factors affect Lexus GS F car insurance rates?
Insurance rates for the Lexus GS F depend on factors like driving history, location, coverage levels, and the insurer’s pricing model.
Which insurance companies offer coverage for Lexus GS F?
Many insurers provide coverage for the Lexus GS F, including major providers like Progressive, State Farm, and AAA.
How can I lower Lexus GS F car insurance premiums?
You can lower premiums by bundling policies, maintaining a clean driving record, opting for higher deductibles, and exploring discounts for safety features.
What is the average cost of insurance for a Lexus IS F?
The cost of insurance for a Lexus IS F varies, but you can expect rates starting around $66 per month with providers like Progressive.
To learn more, explore our comprehensive resource on “Can I change my Progressive car insurance coverage at any time?”
How does the Lexus IS F insurance cost compare across different insurers?
Insurance costs for the Lexus IS F vary among insurers such as State Farm, AAA, and Geico, depending on factors like coverage levels and discounts.
What factors determine Lexus IS F insurance costs?
Factors influencing Lexus IS F insurance costs include the driver’s age, location, driving record, mileage, and the chosen coverage options.
Use our free quote comparison tool below to find affordable commercial insurance options that meet your needs.
Which Lexus is cheapest to insure?
The cost of insuring various Lexus models varies significantly. The newly introduced Lexus TX SUV is the most affordable to insure, with an average monthly full coverage rate of $256. On the other hand, insuring the sporty Lexus LC coupe is notably more expensive, averaging $596 per month for full coverage.
Is Lexus expensive to maintain?
Overall, Lexus cars generally have lower maintenance costs than other luxury brands and can even be economical compared to mass-market vehicles due to shared parts with Toyota. However, the specific model of Lexus you own will ultimately determine the exact cost.
Learn more by reading our guide titled “Adjuster won’t pay dealership repair price. What are my options?”
Does Lexus use Toyota engines?
While Lexus cars feature distinct interiors and exteriors compared to Toyotas, they typically share a Toyota engine beneath the hood.
Is Lexus a better brand than BMW?
Lexus surpasses BMW not only in reliability but also in lower average annual maintenance expenses. On average, Lexus owners spend about $45 per month on maintenance, which is less than what BMW owners typically incur.
Is Lexus a luxury car?
Lexus is the luxury vehicle segment of Toyota Motor Corporation, a prominent Japanese automaker. Marketed in over 90 countries and territories globally, Lexus holds the top position as Japan’s leading brand for premium automobiles.
How long can a Lexus IS350 last?
Potential buyers, whether contemplating a new or pre-owned Lexus ES 350, often inquire about its longevity. Typically, a Lexus ES 350 can endure approximately 220,000 to 250,000 miles on average.
Access comprehensive insights into our guide titled “Mileage-Based Car Insurance: A Complete Guide.”
Is IS350 fuel efficient?
I’m averaging between 9-10 liters per 100 kilometers (23-25 miles per gallon) combined city and highway driving, with a focus on city driving. This is a significant improvement compared to my previous 440 Grand Coupe, which consistently consumed 12 liters per 100 kilometers.
What cars are better than a Lexus?
Overall, Mercedes-Benz vehicles provide superior performance capabilities, standard unique interior features, and better efficiency compared to Lexus models. We directly compare the two brands for drivers in Rancho Cucamonga to illustrate why Mercedes-Benz stands out as a unique brand.
Which one is the cheapest Lexus?
Based on our evaluation of 2024 vehicle models’ initial prices, reliability, resale value, and safety, the most affordable Lexus model is the Lexus UX 200. It starts at $33,450, with the next least expensive option being the Lexus UX 250h, priced at $35,540.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.