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 a year, collision insurance costs $262, and liability insurance costs around $402. A liability-only policy costs as low as $446 a year, and high-risk insurance costs around $2,120. Teen 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:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates the difference location can make on insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $588
• Using higher $1,000 deductibles will save approximately $884 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $986
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,180
• Drivers with multiple violations and an at-fault accident could pay up to $2,120
• An auto insurance policy that insures a teen driver can cost as much as $3,840 or more

Auto insurance prices for a Lexus HS 250h also have a wide range based on the trim level of your HS 250h, 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. A high-risk auto insurance policy can be anywhere from 42% to 135% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 a year, 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 has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see prices as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,330 on average in Florida, New York, and Michigan.

Choosing high deductibles could cut prices by as much as $300 each year, while buying higher 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 More Affordable Lexus HS 250h Insurance

Finding better rates on Lexus HS 250h insurance requires being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Shop around at least every other year by getting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a summary of the car insurance concepts touched on in this article.

• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,130 more annually than a safer driver
• It is possible to save approximately $110 per year just by quoting early and online
• Increasing policy deductibles can save approximately $300 each year
• Drivers who want an increased level of liability coverage will pay about $440 annually to increase from 30/60 bodily injury limits to the 250/500 level