Lexus HS 250h Insurance Rates

Estimated insurance rates for a Lexus HS 250h are $986 a year including full coverage. Comprehensive insurance costs on average $186 a year, collision costs $262, and liability is $402. A policy with only liability insurance costs around $446 a year, with a high-risk policy costing $2,120 or more. Teen drivers pay the most at $3,840 a year or more.

Average premium for full coverage: $986

Premium estimates by type of coverage:

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

These rate differences highlight why it is important to compare rates quotes based on a specific location, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $588
• Raising to $1,000 deductibles will save around $884 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $986
• Choosing low $100 deductibles will cost an additional $194 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,120 or more
• An auto insurance policy that insures a 16-year-old driver may cost $3,840

Car insurance prices for a Lexus HS 250h also have a wide range based on the trim level of your HS 250h, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,200 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 135% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $3,800 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find prices as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,410 on average in Michigan, New York, and Louisiana.

Choosing high deductibles can reduce prices by up to $300 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially 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 Cheap Lexus HS 250h Insurance

Finding better rates on insurance for a Lexus HS 250h consists of having a good driving record, having a positive credit history, refrain from filing small claims, and maximizing policy discounts. Shop around every time your policy renews by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The next list is a quick review of the information raised in the charts and tables above.

• You may be able to save as much as $110 per year simply by quoting early and online
• Drivers age 20 and younger are expensive to insure, with the cost nearing $320 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $300 each year
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,130 more each year to buy Lexus HS 250h insurance
• Insureds who require increased levels of liability coverage will pay about $440 per year to raise from 30/60 bodily injury limits to the 250/500 level