Lexus HS 250h Insurance Rates

Estimated insurance prices for a Lexus HS 250h are $986 every 12 months for full coverage. Comprehensive insurance costs approximately $186 a year, collision costs $262, and liability costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing $2,120 or more. Teens pay the most at $3,840 a year or more.

Average premium for full coverage: $986

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM 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 make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance prices.

These rate differences show why it is important to compare rates using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $588
• Drivers who choose higher $1,000 deductibles will pay $884 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $986
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $194 annually
• Drivers with serious driving violations could pay around $2,120 or more
• An auto insurance policy to insure a 16-year-old driver can cost $3,840 a year

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

Choosing higher comprehensive and collision insurance deductibles could save up to $300 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than the average policy. View High Risk Driver Rates

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 Iowa, Maine, and Idaho, or have to pay at least $1,410 on average in New York, Louisiana, and Michigan.

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every company calculates prices differently, 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 Shop for the Best Cheap Lexus HS 250h Insurance

Finding better rates on insurance for a Lexus HS 250h not only requires having a decent driving record, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a quick review of the coverage data touched on in this article.

• Drivers can save around $110 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $300 each year
• 16 to 18-year-old drivers are the costliest to insure, as much as $320 per month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,130 more per year than a driver with a clean driving record