Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Premium estimates for type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $588
• Drivers who choose higher $1,000 deductibles will pay about $102 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $986
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,180
• High risk drivers who are prone to accidents and violations could pay at least $2,120 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can be $3,840 a year

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

An older driver with a good driving record and high deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $3,800 a year. View Rates by Age

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

Using high physical damage deductibles could save up to $300 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,200 to $1,600 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 More Affordable Lexus HS 250h Insurance

Finding better rates on Lexus HS 250h insurance not only requires having a decent driving record, but also having good credit, being claim-free, and maximizing policy discounts. Spend time shopping around once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a summary of the data that was touched on above.

• You may be able to save up to $110 per year simply by shopping early and online
• Drivers who may need additional liability coverage will pay an extra $440 every year to go from 30/60 bodily injury limits to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, possibly costing $320 per month if they have full coverage
• High-risk drivers who have multiple accidents or major violations pay an average of $1,130 more every year than a driver with a clean driving record