Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Policy rates for type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance rates.

The examples above show why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $588
• Drivers who choose higher $1,000 deductibles will pay about $102 a year
• The average rate for a good driver age 40 using $500 deductibles is $986
• Using low deductibles for comprehensive and collision insurance will cost an extra $194 annually
• Drivers who are prone to accidents and violations could pay at least $2,120 or more
• Policy cost for full coverage for a 16-year-old driver can be $3,840 a year

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $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 $650 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,410 on average in Michigan, Louisiana, and New York.

Using high physical damage deductibles could save up to $300 annually, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,200 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Cheaper Lexus HS 250h Insurance

Finding cheaper rates on insurance for a Lexus HS 250h not only requires having a decent driving record, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every time your policy renews by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following items are a condensed summary of the information illustrated above.

• Drivers can save up to $110 per year simply by quoting online in advance
• 16 to 18-year-old drivers are charged the highest rates, costing up to $320 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,130 more every year than a driver with a clean driving record
• Insureds who may need additional liability coverage will pay an extra $440 each year to go from a 30/60 limit to 250/500 limits