Lexus HS 250h Insurance Rates

The average insurance prices for a Lexus HS 250h are $986 every 12 months including full coverage. Comprehensive insurance costs around $186 a year, collision costs $262, and liability is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $2,120 or more. Teen drivers cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and HS 250h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $588
• Choosing higher $1,000 deductibles can save about $884 every year
• The average price for a good driver age 40 using $500 deductibles is $986
• Choosing low $100 deductibles for comp and collision coverage costs an extra $194 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,120 or more
• Policy cost to insure a 16-year-old driver can be $3,840 each year

Insurance rates for a Lexus HS 250h also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing high deductibles can save as much as $300 annually, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,200 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 135% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lexus HS 250h insurance prices. A good driver about age 40 could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,410 on average in Michigan, New York, and Louisiana.

Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied.

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 the Best Lexus HS 250h Insurance

Finding cheaper rates on insurance for a Lexus HS 250h takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around every couple of years by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The points below are a brief recap of the material that was illustrated above.

• Insureds who may need increased liability limits will pay about $440 per year to raise limits from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 are charged the highest rates, with premiums being up to $320 each month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,130 more every year to insure a Lexus HS 250h
• Increasing comprehensive and collision deductibles could save as much as $300 each year