Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Premium estimates for type of coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects auto insurance rates.

These rate differences highlight why all drivers should compare rates quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $588
• Raising to $1,000 deductibles will save about $102 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $986
• Selecting low deductibles will increase the cost to $1,180
• Higher-risk drivers with serious driving violations could pay at least $2,120 or more
• An auto insurance policy for full coverage for a teen driver can be $3,840

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find prices as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,410 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $300 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,200 to $1,600 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, and 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 Cheap Lexus HS 250h Insurance

Finding better rates on Lexus HS 250h insurance consists of being a low-risk driver, having a good credit history, refrain from filing small claims, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the data touched on in the above illustrations.

• Drivers who may need more liability coverage will pay approximately $440 per year to raise from 30/60 bodily injury limits to 250/500 limits
• You may be able to save up to $110 per year simply by quoting online in advance
• Increasing policy deductibles can save around $300 each year
• Teen drivers are charged the highest prices, with the cost nearing $320 per month including comprehensive and collision insurance