Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $986 a year including full coverage. Comprehensive insurance costs around $186 each year, collision costs $262, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,120 or more. Teens cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates for type of insurance:

Includes $500 deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

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

The examples above highlight why all drivers should compare rates for a specific zip code, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $588
• Drivers who choose higher $1,000 deductibles will pay about $102 every year
• The estimated price for a good driver age 40 using $500 deductibles is $986
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $194 annually
• Drivers with serious driving violations could pay at least $2,120 or more
• Policy cost that insures a 16-year-old driver can be $3,840 a year

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

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,200 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 135% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $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 $760 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,410 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles could save up to $300 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every company calculates rates differently, 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 Find the Cheapest Lexus HS 250h Insurance

Finding cheaper rates on insurance for a Lexus HS 250h not only requires not taking risks behind the wheel, but also having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates every time your policy renews by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following is a recap of the information presented in the illustrations above.

• You may be able to save up to $110 per year simply by quoting online in advance
• Teens are charged the highest rates, with premiums being up to $320 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,130 more every year for HS 250h insurance
• Insureds who may need higher liability limits will pay approximately $440 per year to go from a 30/60 limit to the 250/500 level