Lexus HS 250h Insurance Rates

The average auto insurance rates for a Lexus HS 250h are $986 annually for full coverage insurance. Comprehensive costs an estimated $186 a year, collision insurance costs $262, and liability costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs around $2,120. Teenage drivers cost the most to insure at up to $3,840 a year.

Average premium for full coverage: $986

Policy rates broken down by type of insurance:

Prices include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and HS 250h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

The chart below illustrates average Lexus HS 250h insurance rates for other coverage scenarios.

• The best discount rate is $588
• Using higher $1,000 deductibles will save approximately $884 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $986
• Using low $100 deductibles for physical damage coverage will cost $1,180
• Drivers who are prone to accidents and violations could pay up to $2,120
• Policy cost with full coverage for a teen driver can cost as much as $3,840 or more

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

Older drivers with a good driving record and high physical damage deductibles may pay as little as $900 a year, 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 at least $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 are probably paying $1,200 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $300 every year, while buying higher liability limits will increase premiums. Switching 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 has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see rates as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,330 on average in Florida, New York, and Michigan.

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 Right Lexus HS 250h Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a quick rundown of the car insurance concepts illustrated above.

• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,130 more annually for HS 250h insurance
• It is possible to save approximately $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Policyholders who want higher liability limits will pay an extra $440 annually to increase from a 30/60 limit to higher 250/500 limits