Lexus HS 250h Insurance Rates

Average insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive insurance costs around $186, collision costs $262, and liability is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing $2,120 or more. Teenage drivers receive the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Rate estimates for individual coverage type:

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for all HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why everyone should compare rates quotes for a specific zip code, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $588
• Raising to $1,000 deductibles will save about $102 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $986
• Using pricier low deductibles will cost an additional $194 annually
• Drivers who are prone to accidents and violations could pay at least $2,120 or more
• The cost that insures a 16-year-old driver for full coverage can be $3,840

Insurance rates for a Lexus HS 250h can also vary considerably based on the model of your HS 250h, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,200 to $1,600 additional per year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $3,800 a year. View Rates by Age

Where you live also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find rates as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,330 on average in Michigan, New York, and Florida.

Using high physical damage deductibles can reduce rates by up to $300 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates can be significantly 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 Lexus HS 250h Insurance

Saving money on insurance for a Lexus HS 250h consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a brief recap of the coverage data covered above.

• It is possible to save up to $110 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $300 each year
• Drivers age 20 and younger are charged the highest rates, costing up to $320 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,130 more every year to buy Lexus HS 250h insurance