Lexus HS 250h Insurance Rates

The average auto insurance rates for a Lexus HS 250h are $986 annually with full coverage. Comprehensive insurance costs around $186 a year, collision costs $262, and liability is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance costing $2,120 or more. Teens cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates for type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and HS 250h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance rates.

The examples above demonstrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Additional Charts and Tables

The chart below details estimated Lexus HS 250h insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $588
• Raising to $1,000 deductibles will save about $884 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $986
• Selecting low $100 deductibles costs an additional $194 every year
• At-risk drivers with serious driving violations could pay at least $2,120 or more
• Policy cost with full coverage for a teen driver can be $3,840

Auto insurance rates for a Lexus HS 250h also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,200 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find rates as low as $710 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,330 on average in Florida, Michigan, and New York.

Because rates have so much variability, the best way to find out your exact price is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied 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 the Cheapest Lexus HS 250h Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around at every other renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a recap of the concepts that were illustrated above.

• Higher risk drivers that have major violations or accidents may pay on average $1,130 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, as much as $320 each month if full coverage is included
• You may be able to save up to $110 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $300 each year
• You may be able to save up to $110 per year simply by quoting early and online