Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $1,024 a year for full coverage insurance. Comprehensive insurance costs around $198, collision costs $288, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $2,204 or more. Teens pay the highest rates at $3,962 a year or more.

Average premium for full coverage: $1,024

Price estimates for individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all HS 250h models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance rates.

The ranges above illustrate why everyone should get quotes for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $608
• Choosing higher $1,000 deductibles can save about $112 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,024
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $212 a year
• High-risk insureds with serious driving violations could pay at least $2,204 or more
• The price that insures a teen driver for full coverage can be $3,962 each year

Auto insurance prices for a Lexus HS 250h are also quite variable based on the model of your HS 250h, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,200 to $1,700 in extra premium each year, depending on your age. Lexus HS 250h insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $3,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,380 on average in Michigan, New York, and Florida.

Choosing higher comprehensive and collision insurance deductibles can save as much as $330 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, and quoted prices may be quite 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 Low Cost Lexus HS 250h Insurance

Getting lower rates on Lexus HS 250h insurance takes having a decent driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates at every other renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a review of the concepts that were illustrated above.

• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,180 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, as much as $330 a month if the policy includes full coverage
• It is possible to save up to $120 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $325 each year
• It is possible to save up to $120 per year simply by quoting online well ahead of the renewal date