Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $1,024 annually for full coverage. Comprehensive costs an estimated $198, collision insurance costs $288, and liability is $402. A liability-only policy costs around $446 a year, and high-risk insurance costs around $2,204. Teenage drivers pay the most at up to $3,962 a year.

Average premium for full coverage: $1,024

Premium estimates broken down by type of coverage:

Prices are based on $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for all HS 250h models.

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 insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities. The example below illustrates how your location can change insurance prices.

These rate differences show why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $608
• Raising to $1,000 deductibles will save approximately $112 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,024
• Using pricier low deductibles will cost $1,236
• Drivers who are prone to accidents and violations could pay up to $2,204
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost as much as $3,962

Auto insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your driver profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $3,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,200 to $1,700 in extra premium annually, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $330 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

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 $680 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,460 on average in New York, Louisiana, and Michigan.

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 Buy Affordable Lexus HS 250h Insurance

Finding better rates on insurance for a Lexus HS 250h consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to shop around at every policy renewal by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The following is a brief review of the data illustrated above.

• Insureds who want higher liability limits will pay an extra $440 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save approximately $120 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $325 each year
• Teens are the costliest to insure, as much as $330 per month if full coverage is included