Lexus HS 250h Insurance Rates

Average auto insurance rates for a Lexus HS 250h are $986 annually with full coverage. Comprehensive insurance costs approximately $186, collision costs $262, and liability costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing $2,120 or more. Teens receive the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Rate estimates by individual coverage type:

Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion.

The example below illustrates the difference location can make on auto insurance prices.

These examples demonstrate why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Details

The chart below details estimated Lexus HS 250h insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $588
• Using higher $1,000 deductibles will save $102 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $986
• Selecting pricier low deductibles for physical damage coverage costs an additional $194 annually
• High-risk insureds with serious driving violations could pay around $2,120 or more
• The cost with full coverage for a 16-year-old driver for full coverage can cost $3,840 or more

Car insurance rates for a Lexus HS 250h can also vary considerably based on the trim level of your HS 250h, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $900 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,600 extra per year, depending on your age. Lexus HS 250h insurance for high-risk drivers can be from 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $300 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,330 on average in New York, Michigan, and Florida.

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so rate quotes can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Cheaper Lexus HS 250h Insurance

Saving money on insurance for a Lexus HS 250h requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Make time to compare rates every other policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a condensed summary of the ideas that were touched on in this article.

• Drivers age 20 and younger pay the highest auto insurance rates, with premiums as much as $320 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,130 more per year to buy Lexus HS 250h insurance
• Increasing deductibles could save up to $300 each year
• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date