Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $986 a year with full coverage. Comprehensive costs approximately $186, collision insurance costs $262, and liability insurance costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs around $2,120. 16-year-old drivers cost the most to insure at up to $3,840 a year.

Average premium for full coverage: $986

Policy rates by type of insurance:

Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities. The example below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why everyone should compare prices using their specific location, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $588
• Using higher $1,000 deductibles will save $102 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $986
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,180
• Drivers with multiple tickets or accidents could pay around $2,120
• Policy cost that insures a teen driver for full coverage can cost $3,840 or more

Insurance rates for a Lexus HS 250h also range considerably based on the model of your HS 250h, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,200 to $1,600 additional every year, depending on your age. Lexus HS 250h insurance for high-risk drivers can be anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

Your home state has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see rates as low as $710 a year in states like Utah, Ohio, and New Hampshire, or at least $1,330 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could cut rates by as much as $300 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

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 the Right Lexus HS 250h Insurance

Finding cheaper rates on Lexus HS 250h insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop every time your policy renews by getting rate quotes from direct companies, and also from local insurance agencies.

Below is a quick rundown of the information covered in the above illustrations.

• You may be able to save around $110 per year just by quoting online well ahead of the renewal date
• Teenage drivers are the costliest to insure, as much as $320 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,130 more per year for auto insurance
• Drivers who purchase higher levels of liability will pay around $440 every year to increase from a 30/60 limit to the 250/500 level