Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year for full coverage. Comprehensive insurance costs around $186, collision costs $262, and liability is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage for high-risk drivers costing $2,120 or more. Teenage drivers pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates for individual coverage:

Includes $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance rates.

The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code, instead of using average rates.

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

Additional Charts and Tables

The chart below shows estimated Lexus HS 250h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $588
• Choosing higher $1,000 deductibles can save about $102 a year
• The estimated price for the average middle-age driver using $500 deductibles is $986
• Using more expensive low deductibles for comp and collision coverage will cost an additional $194 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,120 or more
• The price that insures a teen driver with full coverage can be $3,840 each year

Insurance prices for a Lexus HS 250h are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,200 to $1,600 extra each year, depending on your age. High-risk driver insurance ranges as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $3,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus HS 250h insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,410 on average in Michigan, Louisiana, and New York.

Using high physical damage deductibles can save as much as $300 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.

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 Find the Cheapest Lexus HS 250h Insurance

Getting lower rates on car insurance takes avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Compare prices at least once a year by requesting rates from direct carriers, and also from several local insurance agents.

The points below are a recap of the primary concepts that were illustrated above.

• Drivers can save up to $110 per year simply by shopping early and online
• Higher risk drivers that have major violations or accidents pay on average $1,130 more every year to insure a Lexus HS 250h
• Increasing physical damage deductibles can save approximately $300 each year
• Drivers under the age of 20 pay higher prices, with premiums as much as $320 a month if full coverage is included