Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year with full coverage. Comprehensive insurance costs approximately $186 each year, collision insurance costs $262, and liability coverage is estimated at $402. Liability-only coverage costs approximately $446 a year, and high-risk coverage costs $2,120 or more. Teen drivers pay the highest rates at up to $3,840 a year.

Average premium for full coverage: $986

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and HS 250h models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why all drivers should get quotes using their specific location, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $588
• Choosing higher $1,000 deductibles can save $102 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $986
• Choosing low deductibles for comp and collision coverage will cost an additional $194 each year
• Drivers with multiple violations and an at-fault accident could pay around $2,120
• The price that insures a teenage driver can cost $3,840 each year

Auto insurance prices for a Lexus HS 250h are also quite variable based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,200 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges around 42% to 135% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $900 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $710 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,330 on average in New York, Michigan, and Florida.

Choosing high deductibles can save as much as $300 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

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 Right Lexus HS 250h Insurance

Getting lower rates on auto insurance takes being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Shop around at least every other year by requesting quotes from direct companies, and also from local insurance agencies.

Below you'll find a quick rundown of the car insurance concepts covered in the charts and tables above.

• Drivers with reckless driving or DUI convictions may have to pay on average $1,130 more per year than a low-risk driver
• You may be able to save around $110 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $300 each year
• Consumers who purchase more liability protection will pay about $440 every year to raise limits from a low limit to the 250/500 level