Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $1,024 a year for full coverage insurance. Comprehensive costs around $198, collision costs $288, and liability costs $402. A policy with just liability insurance costs as little as $446 a year, with coverage for high-risk drivers costing around $2,204. Teen drivers pay the highest rates at $3,962 a year or more.

Average premium for full coverage: $1,024

Price estimates for individual coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $608
• Drivers who choose higher $1,000 deductibles will pay about $112 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,024
• Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,236
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,204 or more
• The price for full coverage for a teen driver with full coverage can be $3,962 a year

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

An older driver with a clean driving record and high deductibles may pay as little as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $3,900 a year. View Rates by Age

The state you live in makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,380 on average in Michigan, New York, and Florida.

Choosing high deductibles could save up to $330 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to compare prices and see which company has the best price. Every company uses a different rate calculation, so the prices may be quite 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 Cheap Lexus HS 250h Insurance

Getting lower rates on car insurance not only requires avoiding accidents and claims, but also maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates every time your policy renews by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a brief summary of the information presented in the illustrations above.

• It is possible to save up to $120 per year simply by shopping early and online
• Drivers under the age of 20 pay higher prices, as much as $330 a month for full coverage
• Increasing physical damage deductibles can save around $325 each year
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,180 more every year to insure a Lexus HS 250h
• Policyholders who may need increased liability limits will pay about $440 annually to go from a low limit to 250/500 limits