Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $986 annually including full coverage. Comprehensive insurance costs approximately $186 each year, collision costs $262, and liability coverage costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,120 or more. Teen drivers pay the most at $3,840 a year or more.

Average premium for full coverage: $986

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance prices.

These rate differences highlight why all drivers should compare prices using their specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $588
• Using higher $1,000 deductibles will save $102 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $986
• Choosing low deductibles for physical damage coverage costs an additional $194 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,120 or more
• An auto insurance policy with full coverage for a teenage driver can cost $3,840 or more

Auto insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,200 to $1,600 in extra premium annually, depending on your age. Insurance for high-risk drivers can be around 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $300 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see prices as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,410 on average in Louisiana, New York, and Michigan.

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and quoted 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 More Affordable Lexus HS 250h Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having above-average credit, refrain from filing small claims, and not having any coverage lapses. Invest the time to compare rates at least every other year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a summary of the car insurance concepts presented in the illustrations above.

• Drivers who have multiple accidents or major violations may have to pay on average $1,130 more per year to insure a Lexus HS 250h
• You may be able to save around $110 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $300 each year
• Consumers who purchase increased liability limits will pay about $440 per year to increase from 30/60 bodily injury limits to higher 250/500 limits