Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Premium estimates broken down by type of coverage:

Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured 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

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why it is important to get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Analysis

The chart below breaks down average Lexus HS 250h insurance rates for other coverage scenarios.

• The best discount rate is $588
• Choosing higher $1,000 deductibles can save approximately $884 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $986
• Using low $100 deductibles for comp and collision coverage will cost an extra $194 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,120
• An auto insurance policy for full coverage for a teen driver can cost as much as $3,840 each year

Insurance prices for a Lexus HS 250h also have a wide range based on your driving characteristics, the model of your HS 250h, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $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 rates. A good driver about age 40 could pay as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,410 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles can save as much as $300 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,200 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 135% more than a normal 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 Best Lexus HS 250h Insurance

Finding better rates on Lexus HS 250h insurance takes being a safe and courteous driver, maintaining good credit, refrain from filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates at every policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief recap of the data covered above.

• Drivers who want higher levels of liability will pay an extra $440 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
• You may be able to save approximately $110 per year just by quoting early and online
• Increasing policy deductibles can save around $300 each year
• Teenage drivers are charged the highest prices, with the cost nearing $320 per month for full coverage