Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year including full coverage. Comprehensive insurance costs around $186, collision costs $262, and liability coverage costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing $2,120 or more. Teen drivers pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates for individual coverage:

Price estimates include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all HS 250h models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why everyone should compare rates for a specific zip code, rather than using price averages.

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

Additional Charts and Tables

The chart below breaks down estimated Lexus HS 250h insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $588
• Drivers who choose higher $1,000 deductibles will pay about $102 every year
• The estimated price for the average middle-age driver using $500 deductibles is $986
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $194 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,120 or more
• The price that insures a teenage driver for full coverage can be $3,840 a year

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

If you have some driving violations or you caused an accident, you are likely paying at least $1,200 to $1,600 additional each year, depending on your age. Lexus HS 250h insurance for high-risk drivers can cost around 42% to 135% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $3,800 a year. View Rates by Age

The state you live in makes a big difference in Lexus HS 250h insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,410 on average in Michigan, New York, and Louisiana.

Choosing high deductibles could save up to $300 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, and prices may be quite different.

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 Cheaper Lexus HS 250h Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, being claim-free, and taking advantage of discounts. Shop around at least every other year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following is a condensed summary of the car insurance concepts raised in the charts and tables above.

• Drivers with multiple at-fault accidents may have to pay on average $1,130 more every year for HS 250h insurance
• You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $300 each year
• Consumers who may need higher liability limits will pay about $440 per year to go from a low limit to the 250/500 level