Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year including full coverage. Comprehensive costs around $186, collision costs $262, and liability insurance is $402. Buying just liability costs around $446 a year, with insurance for high-risk drivers costing around $2,120. 16-year-old drivers pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates for individual coverage:

Prices are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than congested cities.

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

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $588
• Raising to $1,000 deductibles will save about $102 every year
• The estimated price for the average middle-age driver using $500 deductibles is $986
• Buying more expensive low deductibles bumps up the cost to $1,180
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,120 or more
• The price that insures a teen driver with full coverage can be $3,840

Insurance prices for a Lexus HS 250h are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,200 to $1,600 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $3,800 a year. View Rates by Age

The state you live in also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find prices as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,410 on average in Michigan, New York, and Louisiana.

Opting for high physical damage deductibles can reduce prices by up to $300 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, and prices may be quite different.

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 Affordable Lexus HS 250h Insurance

Getting lower rates on Lexus HS 250h insurance consists of having a good driving record, having a good credit score, being claim-free, and taking advantage of discounts. Comparison shop once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a brief review of the data that was covered in the charts and tables above.

• You may be able to save up to $110 per year simply by shopping early and online
• Drivers who may need increased levels of liability coverage will pay around $440 per year to raise from a low limit to the 250/500 level
• Drivers age 20 and younger are charged the highest prices, possibly costing $320 a month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,130 more every year to buy Lexus HS 250h insurance