Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $1,024 a year with full coverage. Comprehensive costs approximately $198, collision costs $288, and liability coverage is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing around $2,204. Teenage drivers cost the most to insure at $3,962 a year or more.

Average premium for full coverage: $1,024

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different HS 250h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below details estimated Lexus HS 250h insurance rates for additional coverage and risk scenarios.

• The best discount rate is $608
• Choosing higher $1,000 deductibles can save $112 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,024
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,236
• Drivers who are prone to accidents and violations could pay around $2,204 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost $3,962 each year

Insurance rates for a Lexus HS 250h also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,380 on average in New York, Michigan, and Florida.

Using high physical damage deductibles can save as much as $330 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Affordable Lexus HS 250h Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a good credit history, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief review of the coverage data presented in the illustrations above.

• You may be able to save around $120 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Teenagers are the costliest to insure, as much as $330 each month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions pay on average $1,180 more per year for car insurance