Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above show why it is important to compare prices based on a specific location and risk profile, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $588
• Using higher $1,000 deductibles will save around $884 a year
• The average rate for the average middle-age driver with $500 deductibles is $986
• Choosing low $100 deductibles for physical damage coverage will cost an extra $194 every year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,120 or more
• The price for full coverage for a teen driver may cost $3,840 or more

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

Older drivers with no violations or accidents and high deductibles may pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $3,800 a year. View Rates by Age

The state you live in has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see prices as low as $650 a year in states like Idaho, Maine, and Iowa, or as much as $1,410 on average in Michigan, Louisiana, and New York.

Choosing high deductibles could cut prices by as much as $300 every year, while buying higher liability limits will cost you more. 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 at a minimum $1,200 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 135% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, 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 Affordable Lexus HS 250h Insurance

Getting lower rates on car insurance requires being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The items below are a brief review of the ideas that were covered in the charts and tables above.

• Teen drivers pay higher prices, with premiums as much as $320 a month including comprehensive and collision insurance
• Higher risk drivers with DUI or reckless driving convictions will pay on average $1,130 more each year to insure their HS 250h
• Increasing physical damage deductibles can save around $300 each year
• Drivers can save as much as $110 per year simply by quoting early and online