Lexus HS 250h Insurance Rates

U.S. average auto insurance rates for a Lexus HS 250h are $986 annually including full coverage. Comprehensive costs around $186, collision costs $262, and liability insurance costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing around $2,120. Teenage drivers pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates for individual coverage:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code 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 Information

The chart below breaks down estimated Lexus HS 250h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $588
• Drivers who choose higher $1,000 deductibles will pay about $102 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $986
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,180
• High risk drivers who are prone to accidents and violations could pay at least $2,120 or more
• The price with full coverage for a teen driver with full coverage can be $3,840 a year

Auto insurance prices for a Lexus HS 250h are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,200 to $1,600 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $300 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lexus HS 250h insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,410 on average in Michigan, New York, and Louisiana.

Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices may be quite 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

Getting lower rates on Lexus HS 250h insurance not only requires being safe and accident-free, but also having above-average credit, being claim-free, and maximizing policy discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a recap of the ideas that were covered in the above illustrations.

• Youthful drivers are expensive to insure, possibly costing $320 a month if full coverage is included
• High-risk drivers that have major violations or accidents may pay on average $1,130 more every year than a low-risk driver
• Increasing physical damage deductibles could save up to $300 each year
• You may be able to save up to $110 per year simply by shopping early and online