Lexus HS 250h Insurance Rates

Average auto insurance rates for a Lexus HS 250h are $986 annually including full coverage. Comprehensive insurance costs around $186 each year, collision costs $262, and liability coverage is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $2,120 or more. 16-year-old drivers receive the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Rate estimates for individual coverage type:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how where you live affects auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $588
• Choosing higher $1,000 deductibles can save about $102 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $986
• Buying low deductibles for comp and collision coverage costs an additional $194 each year
• Drivers with multiple tickets or accidents could pay at least $2,120 or more
• The cost with full coverage for a teenage driver can be $3,840 each year

Car insurance rates for a Lexus HS 250h can also vary considerably based on the trim level of your HS 250h, your driving characteristics, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,200 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers ranges around 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $300 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,410 on average in Michigan, New York, and Louisiana.

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly 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 Low Cost Lexus HS 250h Insurance

Saving money on auto insurance takes being a safe and courteous driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every couple of years by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a review of the material that was touched on in the above illustrations.

• Consumers who may need higher levels of liability will pay around $440 per year to raise limits from a minimum limit to higher 250/500 limits
• Teenage drivers are the costliest to insure, as much as $320 per month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations may pay on average $1,130 more every year for auto insurance
• Increasing deductibles could save up to $300 each year