Lexus HS 250h Insurance Rates

Estimated insurance rates for a Lexus HS 250h are $986 a year for full coverage. Comprehensive insurance costs approximately $186, collision costs $262, and liability coverage is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance 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:

Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas.

The example below illustrates how location helps determine auto insurance prices.

These rate differences show why everyone should compare rates quotes using their specific location, rather than using price 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 additional coverage and risk scenarios.

• The lowest rate with discounts is $588
• Raising to $1,000 deductibles will save $102 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $986
• Choosing pricier low deductibles will cost an additional $194 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,120 or more
• An auto insurance policy that insures a teenage driver for full coverage can cost $3,840

Insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,200 to $1,600 additional annually, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost around 42% to 135% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find prices as low as $650 a year in states like Iowa, Maine, and Idaho, or as much as $1,410 on average in New York, Louisiana, and Michigan.

Choosing high deductibles can reduce prices by up to $300 a year, whereas buying more liability protection will push prices upward. 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

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and prices 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 the Cheapest Lexus HS 250h Insurance

Finding better rates on auto insurance consists of having a good driving record, having a good credit score, not filing small claims, and qualifying for all possible discounts. Shop around every other policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The next list is a recap of the ideas that were covered in the charts and tables above.

• Drivers age 20 and younger are the costliest to insure, as much as $320 per month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be forced to pay on average $1,130 more per year to buy Lexus HS 250h insurance
• Increasing policy deductibles can save approximately $300 each year
• Drivers can save around $110 per year simply by quoting online well ahead of the renewal date