Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $986 annually for full coverage. Comprehensive costs an estimated $186 a year, collision insurance costs $262, and liability insurance costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs around $2,120. Teens pay the most at up to $3,840 a year.

Average premium for full coverage: $986

Premium estimates broken down by type of coverage:

Price estimates include $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on insurance rates. More rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.

These rate differences show why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $588
• Drivers who choose higher $1,000 deductibles will pay approximately $884 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $986
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,180
• High risk drivers with serious driving violations could pay up to $2,120
• An auto insurance policy with full coverage for a teen driver can cost as much as $3,840 a year

Insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your driver profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,200 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $300 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Lexus HS 250h insurance rates. A 40-year-old driver could pay as low as $650 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,410 on average in New York, Louisiana, 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 Buy Cheaper Lexus HS 250h Insurance

Finding better rates on Lexus HS 250h insurance not only requires not taking risks behind the wheel, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following is a condensed summary of the data covered in the charts and tables above.

• Drivers who want higher liability limits will pay approximately $440 each year to go from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save approximately $110 per year just by quoting early and online
• Increasing policy deductibles could save up to $300 each year
• Teens are charged the highest prices, as much as $320 per month including comprehensive and collision insurance