Lexus HS 250h Insurance Rates

The average insurance prices for a Lexus HS 250h are $986 every 12 months with full coverage. Comprehensive insurance costs around $186, collision costs $262, and liability costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing $2,120 or more. 16-year-old drivers cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities.

The example below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why everyone should compare prices for a specific zip code and their own driving history, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $588
• Using higher $1,000 deductibles will save about $102 annually
• The average price for a good driver age 40 using $500 deductibles is $986
• Buying pricier low deductibles for physical damage coverage costs an extra $194 annually
• High-risk insureds with multiple tickets or accidents could pay at least $2,120 or more
• Policy cost to insure a 16-year-old driver for full coverage can be $3,840 or more

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

Opting for high physical damage deductibles could cut rates by as much as $300 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,200 to $1,600 additional every year, depending on your age. Lexus HS 250h insurance for high-risk drivers can be from 42% to 135% more than the average rate. View High Risk Driver Rates

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

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied.

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 Low Cost Lexus HS 250h Insurance

Finding cheaper rates on insurance for a Lexus HS 250h requires avoiding accidents and violations, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates at every other renewal by obtaining price quotes from direct companies, and also from several local insurance agents.

The list below is a review of the concepts that were presented in the illustrations above.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,130 more every year for car insurance
• Teenagers are charged the highest rates, as much as $320 each month if full coverage is included
• You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date