Lexus HS 250h Insurance Rates

Estimated insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive costs an estimated $186 each year, collision insurance costs $262, and liability costs $402. A liability-only policy costs as little as $446 a year, and high-risk insurance costs around $2,120. 16-year-old drivers pay the most at up to $3,840 a year.

Average premium for full coverage: $986

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than congested cities. The graphic below illustrates the difference location can make on insurance prices.

These rate differences illustrate why all drivers should compare rates for a targeted area, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below illustrates average Lexus HS 250h insurance rates for other coverage scenarios.

• The best full coverage rate is $588
• Drivers who choose higher $1,000 deductibles will pay approximately $102 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $986
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,180
• Drivers with multiple tickets or accidents could pay up to $2,120
• An auto insurance policy that insures a 16-year-old driver can cost as much as $3,840 a year

Auto insurance prices for a Lexus HS 250h also have a wide range based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,200 to $1,600 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost from 42% to 135% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $3,800 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,330 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles could save up to $300 annually, whereas increasing liability limits will increase premiums. Switching 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 Cheaper Lexus HS 250h Insurance

Finding better rates on insurance for a Lexus HS 250h not only requires being safe and accident-free, but also maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop every time your policy renews by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a condensed summary of the information touched on in this article.

• It is possible to save approximately $110 per year just by quoting online in advance
• Youthful drivers are the costliest to insure, with premiums being up to $320 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $300 each year
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,130 more annually than a low-risk driver
• Insureds who want more liability protection will pay around $440 annually to go from 30/60 bodily injury limits to the 250/500 level