Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $986 annually for full coverage. Comprehensive costs around $186, collision costs $262, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing around $2,120. Teenage drivers 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, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences show why everyone should compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $588
• Drivers who choose higher $1,000 deductibles will pay about $102 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $986
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,180
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,120 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can be $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 deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may 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 as much as $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,200 to $1,600 extra annually, depending on your age. Lexus HS 250h insurance for high-risk drivers can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $300 every year, whereas buying more liability protection will increase prices. 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 prices. A 40-year-old driver could pay as low as $650 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,410 on average in Michigan, Louisiana, and New York.

With such a large range in prices, the only way to know your exact price is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially 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 Cheaper Lexus HS 250h Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates every other policy renewal by getting quotes from direct carriers, and also from local independent and exclusive agents.

The next list is a condensed summary of the ideas that were covered above.

• Drivers age 20 and younger pay higher prices, as much as $320 per month including comprehensive and collision insurance
• Higher risk drivers with multiple at-fault accidents pay an average of $1,130 more every year to buy Lexus HS 250h insurance
• Increasing policy deductibles could save up to $300 each year
• Drivers can save up to $110 per year simply by quoting online well ahead of the renewal date