Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $986 a year with full coverage. Comprehensive insurance costs an estimated $186, collision costs $262, and liability insurance costs around $402. Liability-only coverage costs as low as $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 broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities.

The price range example below illustrates how location impacts insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area, rather than relying 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 other coverage scenarios.

• The best full coverage rate is $588
• Using higher $1,000 deductibles will save approximately $102 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $986
• Buying more expensive low deductibles for physical damage coverage will cost an additional $194 a year
• Drivers with multiple tickets or accidents could pay up to $2,120 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $3,840 or more

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

If you have a few points on your driving record or you caused an accident, you may be forking out $1,200 to $1,600 additional every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $3,800 a year. View Rates by Age

Your home state has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see rates as low as $710 a year in states like Utah, Ohio, and New Hampshire, or at least $1,330 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could cut rates by as much as $300 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and rates will be varied.

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 cheaper rates on Lexus HS 250h insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop at least once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The points below are a condensed summary of the primary concepts that were touched on above.

• You may be able to save approximately $110 per year simply by shopping early and online
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,130 more annually to insure a Lexus HS 250h
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers under the age of 20 are expensive to insure, as much as $320 each month if comprehensive and collision insurance is included