Lexus HS 250h Insurance Rates

Average insurance prices for a Lexus HS 250h are $1,024 every 12 months for full coverage. Comprehensive insurance costs approximately $198, collision insurance costs $288, and liability insurance is estimated at $402. A liability-only policy costs approximately $446 a year, and high-risk insurance costs $2,204 or more. Teens receive the highest rates at up to $3,962 a year.

Average premium for full coverage: $1,024

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different HS 250h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $608
• Choosing higher $1,000 deductibles can save $112 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,024
• Selecting more expensive low deductibles for comp and collision coverage costs an extra $212 a year
• High-risk insureds with serious driving violations could pay around $2,204
• The cost to insure a teen driver with full coverage can cost $3,962 each year

Insurance rates for a Lexus HS 250h can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your HS 250h.

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $680 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,460 on average in New York, Louisiana, and Michigan.

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 Shop for Cheap Lexus HS 250h Insurance

Saving money on Lexus HS 250h insurance takes being a good driver, having good credit, eliminating unneeded coverage, and possibly raising deductibles. Take the time to compare rates every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief summary of the information covered in the above illustrations.

• Drivers can save around $120 per year just by shopping early and online
• Drivers age 16 to 20 are expensive to insure, costing as high as $330 per month if they have full coverage
• Increasing deductibles could save as much as $325 each year
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,180 more per year than a safer driver
• Drivers who purchase an increased level of liability coverage will pay approximately $440 each year to raise limits from a minimum limit to a 250/500 level