Lexus HS 250h Insurance Rates

Estimated insurance prices for a Lexus HS 250h are $986 every 12 months including full coverage. Comprehensive insurance costs an estimated $186 a year, collision insurance costs $262, and liability is $402. A liability-only policy costs around $446 a year, and high-risk insurance costs $2,120 or more. 16-year-old drivers pay the most at up to $3,840 a year.

Average premium for full coverage: $986

Premium estimates broken down by type of coverage:

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences highlight why it is important to compare rates quotes for a targeted area and their own driving history, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $588
• Raising to $1,000 deductibles will save approximately $884 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $986
• Buying low $100 deductibles costs an extra $194 every year
• At-risk drivers with multiple tickets or accidents could pay up to $2,120
• An auto insurance policy to insure a teen driver can cost as much as $3,840

Auto insurance prices for a Lexus HS 250h also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can reduce prices by up to $300 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,200 to $1,600 in extra premium annually, 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 rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find prices as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,410 on average in Louisiana, 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 Shop for the Best Lexus HS 250h Insurance

Finding better rates on car insurance consists of having a good driving record, having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Set aside time to shop around every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a brief recap of the information raised in the charts and tables above.

• You may be able to save approximately $110 per year just by quoting early and online
• Drivers age 20 and younger are the costliest to insure, with the cost nearing $320 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $300 each year
• Higher risk drivers who tend to receive serious violations may have to pay on average $1,130 more annually to buy Lexus HS 250h insurance
• Policyholders who want increased levels of liability coverage will pay around $440 per year to raise from 30/60 bodily injury limits to a 250/500 level