Lexus HS 250h Insurance Rates

Estimated insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive insurance costs around $186, collision costs $262, and liability is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance costing $2,120 or more. Teens pay the most at $3,840 a year or more.

Average premium for full coverage: $986

Premium estimates for type of coverage:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance rates.

These rate differences illustrate why everyone should compare rates quotes for a specific zip code, instead of using averaged prices.

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

Additional Charts and Tables

The chart below illustrates estimated Lexus HS 250h insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $588
• Raising to $1,000 deductibles will save about $102 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $986
• Selecting pricier low deductibles will cost an additional $194 every year
• At-risk drivers with serious driving violations could pay at least $2,120 or more
• An auto insurance policy that insures a teen driver for full coverage can be $3,840

Insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,200 to $1,600 additional annually, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $3,800 a year. View Rates by Age

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 $640 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,330 on average in Michigan, New York, and Florida.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $300 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company calculates prices differently, and prices will be substantially different.

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 Cheaper Lexus HS 250h Insurance

Finding better rates on car insurance consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a condensed summary of the data touched on above.

• Policyholders who may need increased levels of liability coverage will pay approximately $440 annually to raise from 30/60 bodily injury limits to the 250/500 level
• It is possible to save up to $110 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $300 each year
• Drivers age 20 and younger are charged the highest prices, with premiums being up to $320 per month if comprehensive and collision insurance is included