Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year for full coverage. Comprehensive costs approximately $186 a year, collision costs $262, and liability coverage costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing around $2,120. 16-year-old drivers pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates by individual coverage:

Rates are based on $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than congested cities.

The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above show why it is important to compare rates using their specific location and risk profile, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $588
• Drivers who choose higher $1,000 deductibles will pay $884 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $986
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,180
• High-risk insureds with multiple tickets or accidents could pay around $2,120 or more
• The price for full coverage for a teenage driver can cost $3,840 a year

Insurance prices for a Lexus HS 250h are also quite variable based on your driving record, the trim level of your HS 250h, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $900 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

The state you live in makes a big difference in Lexus HS 250h insurance rates. A 40-year-old driver could pay as low as $650 a year in states like Iowa, Maine, and Idaho, or at least $1,410 on average in New York, Louisiana, and Michigan.

Opting for high physical damage deductibles could save up to $300 a year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,200 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Every company utilizes a different rate formula, and prices may be quite different from one company to the next.

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 Cheap Lexus HS 250h Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a quick review of the data presented in the illustrations above.

• Consumers who purchase higher liability limits will pay around $440 each year to go from a low limit to 250/500 limits
• Drivers can save around $110 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $300 each year
• Teens are the costliest to insure, with premiums as much as $320 a month including comprehensive and collision insurance