Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $1,024 annually with full coverage. Comprehensive costs around $198 each year, collision costs $288, and liability costs around $402. A policy with only liability insurance costs as low as $446 a year, with a high-risk policy costing around $2,204. 16-year-old drivers pay the most at $3,962 a year or more.

Average premium for full coverage: $1,024

Premium estimates for type of coverage:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities.

The graphic below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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

More Rate Details

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

• The best full coverage rate is $608
• Using higher $1,000 deductibles will save about $112 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,024
• Buying low deductibles for physical damage coverage will cost $1,236
• High-risk insureds with multiple tickets or accidents could pay at least $2,204 or more
• An auto insurance policy with full coverage for a 16-year-old driver can be $3,962 or more

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

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $3,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $330 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see prices as low as $740 a year in states like New Hampshire, Ohio, and Utah, or at least $1,380 on average in Florida, Michigan, and New York.

With such a large range in prices, the best way to find out your exact price is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be substantially 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 Affordable Lexus HS 250h Insurance

Finding better rates on insurance for a Lexus HS 250h requires avoiding accidents and violations, having a good credit score, being claim-free, and qualifying for all possible discounts. Spend time shopping around at least once a year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The list below is a brief review of the primary concepts that were touched on above.

• You may be able to save up to $120 per year simply by quoting online in advance
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,180 more every year for car insurance
• Increasing policy deductibles could save up to $325 each year
• Teenagers are the costliest to insure, possibly costing $330 per month if comprehensive and collision insurance is included