Lexus HS 250h Insurance Rates

The average insurance prices for a Lexus HS 250h are $986 every 12 months for full coverage insurance. Comprehensive insurance costs around $186 a year, collision insurance costs $262, and liability coverage costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs $2,120 or more. Teen drivers cost the most to insure at up to $3,840 a year.

Average premium for full coverage: $986

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and HS 250h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and their own driving history, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $588
• Using higher $1,000 deductibles will save about $884 each year
• The average price for a good driver age 40 using $500 deductibles is $986
• Choosing low $100 deductibles for physical damage coverage costs an extra $194 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,120
• Policy cost to insure a teenage driver can be $3,840 or more

Insurance rates for a Lexus HS 250h also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $300 a year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,200 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than average. View High Risk Driver Rates

Your home state has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see rates as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,330 on average in Michigan, New York, and Florida.

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 Shop for Affordable Lexus HS 250h Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a brief review of the information covered in the above illustrations.

• It is possible to save up to $110 per year just by quoting early and online
• Teenagers are charged the highest rates, possibly costing $320 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,130 more every year for car insurance
• Consumers who may need higher liability limits will pay about $440 annually to increase from a 30/60 limit to a 250/500 level