Lexus HS 250h Insurance Rates

U.S. average auto insurance rates for a Lexus HS 250h are $986 annually including full coverage. Comprehensive insurance costs an estimated $186, collision insurance costs $262, and liability costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs $2,120 or more. Teenage drivers pay the highest rates at up to $3,840 a year.

Average premium for full coverage: $986

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all HS 250h models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how rural and urban location affects insurance prices.

The ranges above highlight why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $588
• Using higher $1,000 deductibles will save approximately $102 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $986
• Using pricier low deductibles for physical damage coverage costs an additional $194 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,120
• The price with full coverage for a 16-year-old driver for full coverage can cost as much as $3,840 or more

Auto insurance prices for a Lexus HS 250h are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,200 to $1,600 in extra premium each year, depending on your age. Lexus HS 250h insurance for high-risk drivers can be from 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $300 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see 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 Buy Affordable Lexus HS 250h Insurance

Getting lower rates on insurance for a Lexus HS 250h requires being a good driver, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a brief review of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 are the costliest to insure, possibly costing $320 a month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,130 more annually than a safer driver
• Increasing physical damage deductibles could save up to $300 each year
• You may be able to save approximately $110 per year just by quoting online well ahead of the renewal date