Lexus HS 250h Insurance Rates

The average insurance prices for a Lexus HS 250h are $1,024 every 12 months for full coverage. Comprehensive costs approximately $198, collision costs $288, and liability is $402. A liability-only policy costs around $446 a year, with high-risk insurance costing around $2,204. Teen drivers cost the most to insure at $3,962 a year or more.

Average premium for full coverage: $1,024

Policy rates by type of insurance:

Prices include $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than larger metro areas.

The example below illustrates how where you live affects auto insurance prices.

The examples above show why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $608
• Raising to $1,000 deductibles will save $112 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,024
• Choosing pricier low deductibles increases the price to $1,236
• Drivers with multiple violations and an at-fault accident could pay around $2,204 or more
• Policy cost to insure a 16-year-old driver for full coverage can cost $3,962

Car insurance rates for a Lexus HS 250h also range considerably based on liability limits and deductibles, your driver profile, and the model of your HS 250h.

Choosing high deductibles can reduce rates by up to $330 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost from 43% to 130% more than average. View High Risk Driver Rates

Your home state also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find rates as low as $680 a year in states like Iowa, Maine, and Idaho, or as much as $1,460 on average in New York, Louisiana, and Michigan.

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be varied.

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 Shop for the Right Lexus HS 250h Insurance

Finding cheaper rates on insurance for a Lexus HS 250h consists of being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Take the time to comparison shop every couple of years by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a quick rundown of the material that was touched on in the above illustrations.

• Insureds who purchase higher levels of liability will pay about $440 each year to raise from a 30/60 limit to a 250/500 level
• Teenage drivers pay the highest auto insurance rates, costing up to $330 each month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,180 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $325 each year