Lexus HS 250h Insurance Rates

The average insurance prices for a Lexus HS 250h are $986 every 12 months for full coverage. Comprehensive insurance costs on average $186, collision costs $262, and liability is $402. A liability-only policy costs around $446 a year, with high-risk insurance costing $2,120 or more. 16-year-old drivers cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates by type of insurance:

Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different HS 250h trim levels.

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 areas are shown to have more infrequent accident claims than congested cities.

The price range example below illustrates how your location can change car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $588
• Raising to $1,000 deductibles will save around $102 a year
• The average price for a good driver age 40 with $500 deductibles is $986
• Buying more expensive low deductibles costs an extra $194 annually
• Drivers with multiple tickets or accidents could pay upwards of $2,120 or more
• Policy cost to insure a 16-year-old driver with full coverage may cost $3,840

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

Opting for high physical damage deductibles can reduce rates by up to $300 annually, while increasing your policy's liability limits will cost you more. 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

An older driver with no driving violations and higher deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $3,800 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 at a minimum $1,200 to $1,600 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 135% more than the average rate. 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 $650 a year in states like Idaho, Maine, and Iowa, or at least $1,410 on average in Michigan, Louisiana, and New York.

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, 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 not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.

The following is a quick rundown of the concepts that were illustrated above.

• Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,130 more each year for HS 250h insurance
• Teens are expensive to insure, costing up to $320 each month if the policy includes full coverage
• Drivers can save as much as $110 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Drivers can save as much as $110 per year simply by shopping early and online