Lexus HS 250h Insurance Rates

Estimated insurance rates for a Lexus HS 250h are $986 a year with full coverage. Comprehensive insurance costs around $186, collision insurance costs $262, and liability coverage costs around $402. A liability-only policy costs as low as $446 a year, and high-risk insurance costs $2,120 or more. Teens pay the most at up to $3,840 a year.

Average premium for full coverage: $986

Premium estimates for type of coverage:

Prices include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.

These rate differences demonstrate why everyone should compare prices for a specific zip code, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $588
• Using higher $1,000 deductibles will save about $102 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $986
• Selecting pricier low deductibles for physical damage coverage will cost an additional $194 each year
• Higher-risk drivers with serious driving violations could pay at least $2,120
• An auto insurance policy that insures a teenage driver for full coverage can be $3,840 or more

Auto insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,200 to $1,600 in extra premium annually, depending on your age. Lexus HS 250h insurance for high-risk drivers can be around 42% to 135% 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 may only pay around $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $3,800 a year. View Rates by Age

Where you choose to live has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see prices as low as $710 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,330 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $300 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

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 Right Lexus HS 250h Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare rates every couple of years by requesting quotes from direct companies, and also from your local independent and exclusive agents.

Below is a quick rundown of the material that was touched on in the above illustrations.

• Consumers who may need higher levels of liability will pay approximately $440 every year to increase from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers are expensive to insure, possibly costing $320 per month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,130 more every year for auto insurance
• Increasing policy deductibles can save approximately $300 each year