Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Policy rates broken down by type of insurance:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.

The examples above demonstrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Additional Rate Analysis

The chart below details average Lexus HS 250h insurance rates for other coverage scenarios.

• The lowest rate with discounts is $588
• Raising to $1,000 deductibles will save approximately $102 annually
• The average price for a good driver age 40 who has $500 deductibles is $986
• Choosing pricier low deductibles increases the price to $1,180
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,120
• Policy cost to insure a teen driver for full coverage can cost as much as $3,840

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

Choosing high deductibles can reduce rates by up to $300 each year, whereas buying more liability protection will increase premiums. Moving 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

A more mature driver with no violations or accidents and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $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 may be forking out $1,200 to $1,600 additional every year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates

Your home state also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find rates as low as $710 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,330 on average in New York, Michigan, 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 Low Cost Lexus HS 250h Insurance

Finding cheaper rates on Lexus HS 250h insurance consists of having a good driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates every time your policy renews by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a review of the information presented in the illustrations above.

• You may be able to save approximately $110 per year just by quoting online well ahead of the renewal date
• Drivers age 20 and younger are expensive to insure, as much as $320 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,130 more annually to buy Lexus HS 250h insurance
• Drivers who want increased levels of liability coverage will pay about $440 every year to raise from a 30/60 limit to a 250/500 level