Lexus HS 250h Insurance Rates

Estimated insurance rates for a Lexus HS 250h are $986 a year for full coverage. Comprehensive costs on average $186 each year, collision insurance costs $262, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, and high-risk driver insurance costs around $2,120. Teenage drivers pay the most at up to $3,840 a year.

Average premium for full coverage: $986

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

These rate differences show why all drivers should get quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below shows average Lexus HS 250h insurance rates for different risk profiles and scenarios.

• The best discount rate is $588
• Choosing higher $1,000 deductibles can save around $102 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $986
• Using low deductibles for comp and collision coverage bumps up the cost to $1,180
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,120
• An auto insurance policy that insures a 16-year-old driver may cost $3,840 each year

Insurance prices for a Lexus HS 250h also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,200 to $1,600 additional annually, depending on your age. Insurance for high-risk drivers ranges from 42% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $3,800 a year. View Rates by Age

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

Using high physical damage deductibles can save as much as $300 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

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 Best Lexus HS 250h Insurance

Finding better rates on insurance for a Lexus HS 250h takes avoiding accidents and violations, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices at least every other year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The list below is a brief recap of the car insurance concepts touched on above.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,130 more each year for car insurance
• Drivers can save as much as $110 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $300 each year
• Insureds who require higher liability limits will pay an extra $440 each year to raise limits from 30/60 bodily injury limits to the 250/500 level