Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $986 a year with full coverage. 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. Teenage drivers cost the most to insure at up to $3,840 a year.

Average premium for full coverage: $986

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

The examples above demonstrate why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $588
• Drivers who choose higher $1,000 deductibles will pay approximately $102 annually
• The average rate for a good driver age 40 who has $500 deductibles is $986
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,180
• Drivers who are prone to accidents and violations could pay up to $2,120
• Policy cost for full coverage for a 16-year-old driver can cost as much as $3,840 a year

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

More mature drivers with no driving violations and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $3,800 a year. View Rates by Age

Your home state makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,330 on average in New York, Michigan, and Florida.

Using high physical damage deductibles could save up to $300 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,200 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

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 cheaper rates on insurance for a Lexus HS 250h not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and possibly higher deductibles. Spend time shopping around every other policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a quick rundown of the ideas that were touched on above.

• Drivers under the age of 20 have the highest car insurance rates, as much as $320 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,130 more annually to insure a Lexus HS 250h
• Increasing comprehensive and collision deductibles can save around $300 each year
• You may be able to save approximately $110 per year just by quoting online in advance