Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Price estimates by individual coverage:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, 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 shows estimated Lexus HS 250h insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $588
• Raising to $1,000 deductibles will save $102 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $986
• Selecting more expensive low deductibles costs an additional $194 annually
• Drivers with serious driving violations could pay around $2,120 or more
• The price with full coverage for a 16-year-old driver with full coverage can cost $3,840

Insurance prices for a Lexus HS 250h are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,200 to $1,600 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $300 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find prices as low as $650 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,410 on average in New York, Louisiana, and Michigan.

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from multiple companies. Every auto insurance company calculates prices differently, and prices may be quite different between companies.

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 Buy the Right Lexus HS 250h Insurance

Getting lower rates on insurance for a Lexus HS 250h consists of being a low-risk driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every couple of years by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a quick rundown of the material that was presented in the illustrations above.

• Insureds who purchase more liability coverage will pay approximately $440 each year to raise from a low limit to higher 250/500 limits
• Teen drivers are the costliest to insure, with premiums as much as $320 a month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,130 more per year to insure their HS 250h
• Increasing physical damage deductibles could save up to $300 each year