Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $1,024 annually for full coverage insurance. Comprehensive costs around $198, collision insurance costs $288, and liability coverage is estimated at $402. A policy with only liability insurance costs approximately $446 a year, and a high-risk policy costs around $2,204. Teens pay the most at up to $3,962 a year.

Average premium for full coverage: $1,024

Premium estimates for type of coverage:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance rates.

These rate differences illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $608
• Choosing higher $1,000 deductibles can save about $112 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,024
• Selecting pricier low deductibles for comp and collision coverage will cost $1,236
• Drivers with serious driving violations could pay at least $2,204
• An auto insurance policy with full coverage for a teenage driver for full coverage can be $3,962 each year

Car insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your risk profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $3,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,200 to $1,700 extra annually, depending on your age. Lexus HS 250h insurance for high-risk drivers ranges around 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to 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 $670 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,380 on average in Michigan, New York, and Florida.

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 auto insurance takes being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Make time to compare rates at every other renewal by getting rate quotes from direct insurance companies, and also from several local insurance agents.

Below you'll find a condensed summary of the concepts that were touched on in this article.

• Drivers with multiple at-fault accidents pay on average $1,180 more every year than a low-risk driver
• Youthful drivers are the costliest to insure, with premiums being up to $330 per month if comprehensive and collision insurance is included
• It is possible to save up to $120 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $325 each year
• It is possible to save up to $120 per year just by quoting online well ahead of the renewal date