Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $1,024 a year including full coverage. Comprehensive insurance costs around $198, collision costs $288, and liability is $402. Buying just liability costs around $446 a year, with insurance for high-risk drivers costing $2,204 or more. Teenage drivers pay the highest rates at $3,962 a year or more.

Average premium for full coverage: $1,024

Price estimates for individual coverage:

Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all HS 250h models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance rates.

The ranges above highlight why everyone should compare rates quotes for a specific zip code, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $608
• Raising to $1,000 deductibles will save about $112 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,024
• Using pricier low deductibles will cost an additional $212 every year
• At-risk drivers who are prone to accidents and violations could pay at least $2,204 or more
• The price that insures a teen driver for full coverage can be $3,962

Insurance prices for a Lexus HS 250h are also quite variable based on the model of your HS 250h, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,200 to $1,700 additional each year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $3,900 a year. View Rates by Age

The state you live in also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find prices as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,460 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles can reduce prices by up to $330 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and prices may be quite different.

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 More Affordable Lexus HS 250h Insurance

Getting lower rates on car insurance consists of being a safe and courteous driver, having a good credit score, being claim-free, and taking advantage of discounts. Compare prices every couple of years by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below is a summary of the material that was touched on above.

• Policyholders who may need higher levels of liability will pay an extra $440 per year to raise from a low limit to the 250/500 level
• Teenage drivers are charged the highest prices, possibly costing $330 a month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,180 more every year for auto insurance
• Increasing physical damage deductibles can save approximately $325 each year