Lexus HS 250h Insurance Rates

U.S. average auto insurance rates for a Lexus HS 250h are $986 annually for full coverage insurance. Comprehensive insurance costs on average $186, collision costs $262, and liability costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance 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 by individual coverage:

Rates are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all HS 250h models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

The ranges above illustrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $588
• Drivers who choose higher $1,000 deductibles will pay around $102 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $986
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $194 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,120 or more
• The price with full coverage for a 16-year-old driver for full coverage may cost $3,840 a year

Car insurance prices for a Lexus HS 250h are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,600 extra each year, depending on your age. Lexus HS 250h insurance for high-risk drivers can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $300 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

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 $640 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,330 on average in Michigan, New York, and Florida.

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy the Best Cheap Lexus HS 250h Insurance

Getting lower rates on insurance for a Lexus HS 250h not only requires having a good driving record, but also having a good credit score, not filing small claims, and maximizing policy discounts. Invest time comparing rates at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a quick review of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,130 more each year to buy Lexus HS 250h insurance
• Drivers age 20 and younger are expensive to insure, as much as $320 a month if comprehensive and collision insurance is included
• It is possible to save as much as $110 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $300 each year
• It is possible to save as much as $110 per year simply by quoting online well ahead of the renewal date