Lexus HS 250h Insurance Rates

Estimated insurance rates for a Lexus HS 250h are $986 a year for full coverage. Comprehensive insurance costs on average $186, collision costs $262, and liability coverage costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,120 or more. Teens pay the most at $3,840 a year or more.

Average premium for full coverage: $986

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on car insurance rates.

These rate differences show why everyone should compare prices based on a specific location and risk profile, rather than using averaged prices.

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

More Rate Information

The chart below shows estimated Lexus HS 250h insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $588
• Using higher $1,000 deductibles will save around $102 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $986
• Selecting pricier low deductibles for physical damage coverage will cost an extra $194 each year
• Higher-risk drivers with serious driving violations could pay upwards of $2,120 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage may cost $3,840 or more

Auto insurance prices for a Lexus HS 250h also have a wide range based on your driving characteristics, the trim level of your HS 250h, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $3,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see prices as low as $650 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,410 on average in Michigan, Louisiana, and New York.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $300 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,200 to $1,600 in extra premium annually, depending on your age. Lexus HS 250h insurance for high-risk drivers can be around 42% to 135% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, and quoted prices will be substantially different from one company to the next.

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 More Affordable Lexus HS 250h Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The list below is a summary of the car insurance concepts covered in the above illustrations.

• Drivers who have multiple accidents or major violations will pay on average $1,130 more each year for car insurance
• Drivers can save as much as $110 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $300 each year
• Consumers who require higher liability limits will pay approximately $440 each year to increase from 30/60 bodily injury limits to 250/500 limits