Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $986 annually with full coverage. Comprehensive insurance costs approximately $186, 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. 16-year-old drivers pay the most at $3,840 a year or more.

Average premium for full coverage: $986

Premium estimates by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations are statistically proven to have fewer collision claims than congested cities.

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

These rate differences demonstrate why everyone should compare prices using their specific location and their own personal driving habits, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $588
• Using higher $1,000 deductibles will save $102 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $986
• Buying pricier low deductibles for physical damage coverage costs an additional $194 each year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,120 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage 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 record, and physical damage deductibles and liability limits.

A more mature driver 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 may be forking out anywhere from $1,200 to $1,600 in extra premium annually, depending on your age. Lexus HS 250h insurance for high-risk drivers can be around 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $300 a year, whereas buying more liability protection will push prices upward. Moving 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 $710 a year in states like Utah, Ohio, and New Hampshire, or at least $1,330 on average in New York, Michigan, and Florida.

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Each insurance company utilizes a different rate formula, 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 the Cheapest Lexus HS 250h Insurance

Finding better rates on auto insurance requires being a good driver, having above-average credit, being claim-free, and not having any coverage lapses. Invest the time to compare rates at every other renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following list is a recap of the concepts that were presented in the illustrations above.

• Drivers that have major violations or accidents may pay on average $1,130 more per year than a safer driver
• Drivers age 16 to 20 have the highest car insurance prices, possibly costing $320 per month if full coverage is included
• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $300 each year
• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date