Lexus HS 250h Insurance Rates

Average auto insurance rates for a Lexus HS 250h are $986 annually for full coverage. Comprehensive costs on average $186, collision costs $262, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing around $2,120. Teenage drivers receive the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities.

The example below illustrates the effect of geographic area on car insurance rates.

These examples show why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $588
• Raising to $1,000 deductibles will save around $102 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $986
• Using pricier low deductibles will cost $1,180
• Drivers who are prone to accidents and violations could pay upwards of $2,120 or more
• The cost with full coverage for a 16-year-old driver for full coverage may cost $3,840

Car insurance rates for a Lexus HS 250h can also vary considerably based on the trim level of your HS 250h, your driver profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,200 to $1,600 extra per year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $300 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

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

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

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 Buy Cheap Lexus HS 250h Insurance

Saving money on insurance for a Lexus HS 250h consists of avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Take the time to compare rates at every policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The points below are a brief summary of the data covered in the above illustrations.

• Insureds who require increased liability limits will pay an extra $440 each year to raise from a minimum limit to higher 250/500 limits
• Drivers can save as much as $110 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $300 each year
• Drivers under the age of 20 are expensive to insure, costing as high as $320 per month if comprehensive and collision insurance is included