Lexus HS 250h Insurance Rates

The average auto insurance rates for a Lexus HS 250h are $986 annually with full coverage. Comprehensive insurance costs on average $186 a year, collision costs $262, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,120 or more. 16-year-old drivers cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and HS 250h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $588
• Raising to $1,000 deductibles will save around $884 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $986
• Buying low $100 deductibles costs an additional $194 annually
• Drivers with multiple tickets or accidents could pay upwards of $2,120 or more
• Policy cost with full coverage for a 16-year-old driver may cost $3,840

Insurance rates for a Lexus HS 250h also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $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 may be forking out at a minimum $1,200 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $300 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find rates as low as $710 a year in states like New Hampshire, Ohio, and Utah, or at least $1,330 on average in Florida, Michigan, and New York.

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and rates will be varied 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 Best Lexus HS 250h Insurance

Finding cheaper rates on insurance for a Lexus HS 250h consists of being safe and accident-free, having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a brief recap of the data that was covered above.

• You may be able to save as much as $110 per year simply by quoting early and online
• Insureds who require more liability protection will pay around $440 every year to raise from a 30/60 limit to higher 250/500 limits
• Youthful drivers pay higher rates, as much as $320 each month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,130 more each year than a low-risk driver