Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive insurance costs an estimated $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 $2,120 or more. 16-year-old drivers pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates broken down by individual coverage:

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all HS 250h models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities.

The example below illustrates how rural and urban location affects insurance prices.

The ranges above illustrate why everyone should compare rates for a targeted area and risk profile, instead of using rate averages.

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

Rate Comparisons

The chart below illustrates estimated Lexus HS 250h insurance rates for other coverage scenarios.

• The best full coverage rate is $588
• Drivers who choose higher $1,000 deductibles will pay approximately $102 each year
• The average rate for the average middle-age driver who has $500 deductibles is $986
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $194 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,120 or more
• The price for full coverage for a teen driver for full coverage can cost as much as $3,840 a year

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

A more mature driver with no violations or accidents and high deductibles may pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $3,800 a year. View Rates by Age

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 $640 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,330 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles could save up to $300 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,200 to $1,600 additional each year, depending on your age. Lexus HS 250h insurance for high-risk drivers can cost as much as 42% to 135% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Every company utilizes a different rate formula, and prices may be quite different from one company to the next.

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 Affordable Lexus HS 250h Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief review of the concepts that were raised in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions pay on average $1,130 more annually for HS 250h insurance
• Teens are expensive to insure, as much as $320 a month including comprehensive and collision insurance
• It is possible to save approximately $110 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $300 each year
• It is possible to save approximately $110 per year simply by quoting online well ahead of the renewal date