Lexus HS 250h Insurance Rates

Estimated insurance prices for a Lexus HS 250h are $986 every 12 months including full coverage. Comprehensive insurance costs approximately $186, collision insurance costs $262, and liability coverage is $402. Liability-only coverage costs around $446 a year, and high-risk coverage costs $2,120 or more. Teenage drivers pay the most at up to $3,840 a year.

Average premium for full coverage: $986

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. 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 has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why everyone should compare rates quotes using their specific location and their own driving history, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $588
• Raising to $1,000 deductibles will save $102 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $986
• Using pricier low deductibles costs an extra $194 each year
• Unlucky drivers who are prone to accidents and violations could pay around $2,120
• An auto insurance policy to insure a teenage driver for full coverage can cost $3,840

Insurance prices for a Lexus HS 250h also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your HS 250h.

Using high physical damage deductibles can reduce prices by up to $300 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,200 to $1,600 extra annually, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost around 42% to 135% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find prices as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,410 on average in Louisiana, New York, 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 Shop for Affordable Lexus HS 250h Insurance

Finding better rates on auto insurance consists of avoiding accidents and claims, having good credit, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates every couple of years by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief review of the material that was touched on in this article.

• Consumers who purchase increased liability limits will pay an extra $440 per year to raise from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 are expensive to insure, with the cost nearing $320 per month if they have full coverage
• Drivers with DUI or reckless driving convictions could be charged and average of $1,130 more per year to insure a Lexus HS 250h
• Increasing policy deductibles could save as much as $300 each year