Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $986 annually including full coverage. Comprehensive costs an estimated $186, collision insurance costs $262, and liability costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs around $2,120. Teen drivers pay the most at up to $3,840 a year.

Average premium for full coverage: $986

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference location can make on insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below breaks down average Lexus HS 250h insurance rates for other coverage scenarios.

• The lowest rate with discounts is $588
• Using higher $1,000 deductibles will save approximately $102 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $986
• Choosing more expensive low deductibles for physical damage coverage will cost $1,180
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,120
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $3,840 or more

Insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,200 to $1,600 additional annually, depending on your age. High-risk driver insurance can be from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $300 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 more each year. 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 $760 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,410 on average in Louisiana, New York, and Michigan.

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 Cheap Lexus HS 250h Insurance

Finding better rates on insurance for a Lexus HS 250h requires being safe and accident-free, having good credit, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a brief summary of the concepts that were touched on in this article.

• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,130 more annually than a low-risk driver
• Youthful drivers are expensive to insure, with the cost nearing $320 per month if they have full coverage
• You may be able to save approximately $110 per year just by shopping early and online
• Increasing policy deductibles could save up to $300 each year
• You may be able to save approximately $110 per year just by shopping early and online