Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $986 a year including full coverage. Comprehensive costs an estimated $186, collision insurance costs $262, and liability costs $402. A liability-only policy costs as little as $446 a year, and high-risk insurance costs around $2,120. Teens cost the most to insure at up to $3,840 a year.

Average premium for full coverage: $986

Policy rates broken down by type of insurance:

Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different HS 250h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using averaged prices.

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

Additional Rate Details

The chart below breaks down average Lexus HS 250h insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $588
• Drivers who choose higher $1,000 deductibles will pay approximately $102 every year
• The average rate for a good driver age 40 who has $500 deductibles is $986
• Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,180
• Higher-risk drivers with serious driving violations could pay up to $2,120
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $3,840 a year

Car insurance rates for a Lexus HS 250h also range considerably based on your risk profile, the model of your HS 250h, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $3,800 a year. View Rates by Age

Your home state makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,410 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles could save up to $300 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,200 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost as much as 42% to 135% more than the average policy. View High Risk Driver Rates

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

Finding cheaper rates on car insurance not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Spend time shopping around at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief review of the concepts that were touched on above.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,130 more annually to buy Lexus HS 250h insurance
• Drivers age 20 and younger have the highest car insurance rates, with premiums being up to $320 each month if full coverage is included
• You may be able to save approximately $110 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $300 each year
• You may be able to save approximately $110 per year just by shopping early and online