Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year with full coverage. Comprehensive insurance costs around $186 each year, collision costs $262, and liability insurance costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing $2,120 or more. Teens pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates for individual coverage:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and HS 250h models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects auto insurance rates.

The ranges above demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $588
• Using higher $1,000 deductibles will save about $102 annually
• The average rate for the average middle-age driver using $500 deductibles is $986
• Selecting low deductibles for physical damage coverage will cost an extra $194 a year
• Drivers with serious driving violations could pay at least $2,120 or more
• The price for full coverage for a teen driver can be $3,840 or more

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

More mature drivers with a clean driving record and high deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $3,800 a year. View Rates by Age

The state you live in has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see prices as low as $710 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,330 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $300 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,200 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, so the 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 Low Cost Lexus HS 250h Insurance

Getting lower rates on Lexus HS 250h insurance requires having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by quoting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a review of the information touched on in the above illustrations.

• You may be able to save up to $110 per year simply by quoting online in advance
• Drivers age 20 and younger pay higher prices, costing up to $320 a month for full coverage
• Increasing physical damage deductibles can save around $300 each year
• High-risk drivers who have several accidents or serious violations pay an average of $1,130 more every year to buy Lexus HS 250h insurance
• Drivers who may need increased levels of liability coverage will pay approximately $440 every year to increase from a low limit to 250/500 limits