Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive costs around $186 a year, collision insurance costs $262, and liability coverage costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs around $2,120. Teenage drivers pay the highest rates at up to $3,840 a year.

Average premium for full coverage: $986

Price estimates for individual coverage:

Includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above illustrate why it is important to compare prices for a specific zip code and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $588
• Using higher $1,000 deductibles will save about $884 each year
• The average rate for the average middle-age driver using $500 deductibles is $986
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,180
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,120
• The price for full coverage for a teenage driver can be $3,840 or more

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

Older drivers with a clean driving record and high deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $3,800 a year. View Rates by Age

The state you live in has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see prices as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,330 on average in Michigan, New York, and Florida.

Using high physical damage deductibles could cut prices by as much as $300 a year, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than a normal policy. View High Risk Driver Rates

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 Cheapest Lexus HS 250h Insurance

Getting lower rates on auto insurance requires being safe and accident-free, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a recap of the data that was covered in the above illustrations.

• It is possible to save up to $110 per year just by quoting early and online
• Consumers who may need more liability protection will pay an extra $440 annually to increase from a low limit to 250/500 limits
• Youthful drivers pay higher prices, as much as $320 a month for full coverage
• Drivers that have major violations or accidents may pay on average $1,130 more every year than a low-risk driver