Lexus HS 250h Insurance Rates

Average insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive costs approximately $186, collision costs $262, and liability insurance is $402. Buying just liability costs around $446 a year, with insurance for high-risk drivers costing around $2,120. Teen drivers receive the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Rate estimates by individual coverage type:

Rate estimates include $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different HS 250h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $588
• Raising to $1,000 deductibles will save $102 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $986
• Choosing more expensive low deductibles bumps up the cost to $1,180
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,120 or more
• The cost that insures a teen driver with full coverage can cost $3,840

Auto insurance rates for a Lexus HS 250h can also vary considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,200 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,800 a year. View Rates by Age

Where you live also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find rates as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,330 on average in Florida, New York, and Michigan.

Choosing high deductibles can reduce rates by up to $300 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different.

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 Find the Best Lexus HS 250h Insurance

Saving money on Lexus HS 250h insurance consists of not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Shop around every time your policy renews by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following is a brief recap of the information touched on in this article.

• It is possible to save around $110 per year simply by shopping early and online
• Teens have the highest car insurance rates, costing up to $320 per month if the policy includes full coverage
• Increasing deductibles can save approximately $300 each year
• High-risk drivers who tend to receive serious violations could be charged and average of $1,130 more per year for HS 250h insurance
• Drivers who purchase higher liability limits will pay about $440 annually to raise from a minimum limit to the 250/500 level