Lexus HS 250h Insurance Rates

U.S. average insurance prices for a Lexus HS 250h are $986 every 12 months with full coverage. Comprehensive costs approximately $186, collision costs $262, and liability costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing around $2,120. Teen drivers pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $588
• Drivers who choose higher $1,000 deductibles will pay $102 annually
• The average price for the average middle-age driver who chooses $500 deductibles is $986
• Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,180
• Drivers with multiple violations and an at-fault accident could pay around $2,120 or more
• The price to insure a 16-year-old driver with full coverage can cost $3,840 a year

Insurance prices for a Lexus HS 250h are also quite variable based on deductibles and policy limits, your driving record, and the model of your HS 250h.

Choosing high deductibles could save up to $300 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,200 to $1,600 additional each year, depending on your age. High-risk driver insurance can cost from 42% to 135% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,330 on average in New York, Michigan, and Florida.

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Every company uses a different rate calculation, and prices may be quite 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 Shop for the Best Cheap Lexus HS 250h Insurance

Getting lower rates on insurance for a Lexus HS 250h not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a quick review of the material that was covered above.

• Insureds who purchase more liability protection will pay about $440 every year to go from a low limit to a 250/500 level
• Youthful drivers are the costliest to insure, costing up to $320 a month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,130 more per year than a low-risk driver
• Increasing physical damage deductibles could save as much as $300 each year