Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Policy rates by type of insurance:

Full coverage includes $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and HS 250h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above highlight why it is important to compare rates using their specific location, instead of using price averages.

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

Additional Charts and Tables

The chart below breaks down estimated Lexus HS 250h insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $588
• Drivers who choose higher $1,000 deductibles will pay $884 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $986
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $194 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,120 or more
• Policy cost that insures a teen driver can cost $3,840 a year

Car insurance rates for a Lexus HS 250h also range considerably based on the trim level of your HS 250h, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,200 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 135% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $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 Vermont, New Hampshire, and Missouri, or as much as $1,410 on average in Louisiana, New York, and Michigan.

Choosing high deductibles could save up to $300 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see which company has the best rate. Every company uses a different rate calculation, so rate quotes 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 More Affordable Lexus HS 250h Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Shop around every couple of years by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a summary of the material that was touched on in this article.

• Policyholders who purchase increased levels of liability coverage will pay about $440 per year to go from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger pay the highest auto insurance rates, with premiums being up to $320 each month if full coverage is purchased
• Higher risk drivers who have multiple accidents or major violations will likely pay on average $1,130 more per year to buy Lexus HS 250h insurance
• Increasing comprehensive and collision deductibles can save approximately $300 each year