Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Price estimates for individual coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.

The ranges above show why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $588
• Drivers who choose higher $1,000 deductibles will pay about $884 a year
• The average rate for the average middle-age driver using $500 deductibles is $986
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $194 annually
• Drivers with serious driving violations could pay at least $2,120
• The price for full coverage for a 16-year-old driver can be $3,840 a year

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

Older drivers with no violations or accidents and high deductibles may pay as low as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers 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 prices. A 40-year-old driver could pay as low as $650 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,410 on average in Michigan, Louisiana, and New York.

Choosing higher comprehensive and collision insurance deductibles could save up to $300 annually, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,200 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than the average 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 Right Lexus HS 250h Insurance

Getting lower rates on insurance for a Lexus HS 250h not only requires being a good driver, but also having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every couple of years by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following list is a quick rundown of the material that was touched on above.

• Insureds who may need an increased level of liability coverage will pay approximately $440 each year to go from a low limit to 250/500 limits
• Drivers age 16 to 20 are charged the highest prices, with premiums as much as $320 a month including comprehensive and collision insurance
• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,130 more every year than a safer driver
• Increasing physical damage deductibles can save around $300 each year