Lexus HS 250h Insurance Rates

U.S. average auto insurance rates for a Lexus HS 250h are $986 annually with full coverage. Comprehensive costs approximately $186, 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 around $2,120. Teenage drivers pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates by individual coverage:

Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all HS 250h models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have fewer collision claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance prices.

The ranges above demonstrate why everyone should compare prices using their specific location 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 details estimated Lexus HS 250h insurance rates for additional coverage and risk scenarios.

• The best discount rate is $588
• Using higher $1,000 deductibles will save $102 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $986
• Using pricier low deductibles for physical damage coverage will cost $1,180
• Drivers who are prone to accidents and violations could pay around $2,120 or more
• The price with full coverage for a teen driver for full coverage can cost $3,840 or more

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,600 additional each year, depending on your age. Lexus HS 250h insurance for high-risk drivers 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 prices by as much as $300 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

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 $710 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,330 on average in New York, Michigan, and Florida.

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, and prices may be quite different 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

Getting lower rates on car insurance requires having a good driving record, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a recap of the concepts that were covered in the above illustrations.

• Higher risk drivers that have major violations or accidents may pay on average $1,130 more per year to buy Lexus HS 250h insurance
• Drivers age 20 and younger are the costliest to insure, costing up to $320 a month if they have full coverage
• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $300 each year
• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date