Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $986 annually for full coverage. Comprehensive insurance costs on average $186 a year, collision costs $262, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,120 or more. 16-year-old drivers pay the most at $3,840 a year or more.

Average premium for full coverage: $986

Premium estimates by type of coverage:

Full coverage includes $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than congested cities.

The diagram below illustrates how geographic area affects car insurance rates.

These rate differences show why it is important to compare rates based on a specific location and their own personal driving habits, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $588
• Drivers who choose higher $1,000 deductibles will pay around $884 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $986
• Buying low $100 deductibles for comprehensive and collision insurance costs an additional $194 every year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,120 or more
• An auto insurance policy with full coverage for a teen driver may cost $3,840 a year

Insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your driver profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,200 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $300 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

Where you choose to live 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 at least $1,410 on average in Michigan, Louisiana, and New York.

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every company utilizes a different rate formula, so the prices will be substantially 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 More Affordable Lexus HS 250h Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having a good credit history, not filing small claims, and bundling your home and auto policies. Invest the time to compare rates every couple of years by getting price quotes from direct carriers, and also from local insurance agents.

The next list is a summary of the material that was presented in the illustrations above.

• Policyholders who require increased levels of liability coverage will pay around $440 each year to go from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 20 and younger pay the highest prices, as much as $320 per month including comprehensive and collision insurance
• Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,130 more each year to buy Lexus HS 250h insurance
• Increasing policy deductibles could save up to $300 each year