Lexus HS 250h Insurance Rates

The average auto insurance rates for a Lexus HS 250h are $986 annually for full coverage. Comprehensive insurance costs on average $186 each year, collision costs $262, and liability insurance is estimated at $402. Buying just liability costs approximately $446 a year, with insurance for high-risk drivers costing $2,120 or more. Teenage drivers cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates by type of insurance:

Includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

The examples above show why all drivers should get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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

More Rate Details

The chart below shows estimated Lexus HS 250h insurance rates for different risk profiles and scenarios.

• The best discount rate is $588
• Choosing higher $1,000 deductibles can save around $102 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $986
• Using low deductibles for comp and collision coverage costs an additional $194 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,120 or more
• Policy cost with full coverage for a teen driver may cost $3,840 each year

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

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,200 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $300 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

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 $650 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,410 on average in Michigan, Louisiana, and New York.

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates will be varied 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 cheaper rates on Lexus HS 250h insurance takes avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Spend time shopping around once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a recap of the data that was touched on above.

• Drivers can save as much as $110 per year simply by quoting online in advance
• Drivers who require increased liability limits will pay an extra $440 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 pay the highest rates, costing up to $320 each month including comprehensive and collision insurance
• High-risk drivers that have major violations or accidents may be required to pay an average of $1,130 more each year to insure a Lexus HS 250h