Lexus HS 250h Insurance Rates

Estimated insurance rates for a Lexus HS 250h are $986 a year including full coverage. Comprehensive insurance costs on average $186 a year, collision costs $262, and liability coverage costs around $402. A policy with only liability insurance costs as low as $446 a year, with a high-risk policy costing $2,120 or more. Teen drivers pay the most at $3,840 a year or more.

Average premium for full coverage: $986

Premium estimates by type of coverage:

Price estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine car insurance rates.

These rate differences highlight why it is important to compare prices based on a specific location, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $588
• Using higher $1,000 deductibles will save around $884 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $986
• Choosing low $100 deductibles for physical damage coverage will cost an additional $194 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,120 or more
• An auto insurance policy that insures a teenage driver may cost $3,840 or more

Car insurance prices for a Lexus HS 250h also have a wide range based on the trim level of your HS 250h, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,200 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $3,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see prices 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 cut prices by as much as $300 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be substantially 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

Finding better rates on auto insurance requires not taking risks behind the wheel, having a positive credit history, refrain from filing small claims, and maximizing policy discounts. Shop around every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following is a condensed summary of the coverage data covered in the charts and tables above.

• You may be able to save as much as $110 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $300 each year
• Teens are expensive to insure, with the cost nearing $320 per month if full coverage is purchased
• Drivers with multiple at-fault accidents could be forced to pay on average $1,130 more each year for HS 250h insurance