Lexus HS 250h Insurance Rates

The average auto insurance rates for a Lexus HS 250h are $986 annually for full coverage. Comprehensive insurance costs an estimated $186 each year, collision costs $262, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,120 or more. Teens cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why all drivers should compare rates for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below shows estimated 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 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $986
• Selecting low deductibles for comprehensive and collision insurance costs an additional $194 every year
• Higher-risk drivers with serious driving violations could pay up to $2,120 or more
• Policy cost with full coverage for a teen driver can cost as much as $3,840 a year

Insurance rates for a Lexus HS 250h also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage 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 without any violations or accidents they should be prepared to pay at least $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,200 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $300 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $650 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,410 on average in New York, Louisiana, and Michigan.

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every company calculates rates differently, and rates will be varied between companies.

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 Cheaper Lexus HS 250h Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the data that was covered above.

• Drivers can save approximately $110 per year simply by quoting online in advance
• Policyholders who want more liability coverage will pay approximately $440 each year to go from a 30/60 limit to higher 250/500 limits
• Teen drivers are expensive to insure, costing up to $320 each month if they have full coverage
• Higher risk drivers with multiple at-fault accidents may pay on average $1,130 more annually to insure their HS 250h