Lexus HS 250h Insurance Rates

Average auto insurance rates for a Lexus HS 250h are $986 annually for full coverage. Comprehensive costs an estimated $186, collision costs $262, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing around $2,120. Teen drivers receive the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Rate estimates broken down by individual coverage type:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different HS 250h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas.

The price range example below illustrates how rural and urban location affects insurance prices.

These examples show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Analysis

The chart below shows estimated Lexus HS 250h insurance rates for other coverage scenarios.

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

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

An older driver with no driving violations and high physical damage deductibles could pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,200 to $1,600 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $300 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $650 a year in states like Iowa, Maine, and Idaho, or as much as $1,410 on average in New York, Louisiana, and Michigan.

With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes can be significantly 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 Low Cost Lexus HS 250h Insurance

Saving money on Lexus HS 250h insurance takes avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to shop around at every other renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a review of the concepts that were raised in the charts and tables above.

• High-risk drivers who have several accidents or serious violations may pay on average $1,130 more annually to insure a Lexus HS 250h
• Drivers under the age of 20 have the highest car insurance rates, costing as high as $320 per month if comprehensive and collision insurance is included
• Drivers can save approximately $110 per year simply by shopping early and online
• Increasing deductibles could save up to $300 each year
• Drivers can save approximately $110 per year simply by shopping early and online