Lexus HS 250h Insurance Rates

The average auto insurance rates for a Lexus HS 250h are $986 annually for full coverage. Comprehensive costs an estimated $186, collision costs $262, and liability costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing around $2,120. Teens 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, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The example below illustrates how geographic area affects insurance prices.

The examples above show why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below shows estimated 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 $102 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $986
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,180
• Drivers with serious driving violations could pay up to $2,120 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $3,840 a year

Auto insurance rates for a Lexus HS 250h also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $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 could be paying $1,200 to $1,600 in extra premium every year, depending on your age. Lexus HS 250h insurance for high-risk drivers can cost 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 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Your home state 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 Iowa, Maine, and Idaho, or have to pay at least $1,410 on average in New York, Louisiana, and Michigan.

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from multiple companies. Every company calculates rates differently, and quoted 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 Cheaper Lexus HS 250h Insurance

Finding cheaper rates on insurance for a Lexus HS 250h not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,130 more annually than a low-risk driver
• Drivers can save approximately $110 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Insureds who want more liability protection will pay approximately $440 each year to go from a 30/60 limit to higher 250/500 limits