Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance prices.

The examples above show why everyone should compare prices using their specific location and risk profile, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below shows average Lexus HS 250h insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $588
• Using higher $1,000 deductibles will save $102 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $986
• Selecting pricier low deductibles for physical damage coverage will cost an extra $194 a year
• Drivers with serious driving violations could pay around $2,120
• Policy cost for full coverage for a teen driver for full coverage can cost $3,840 or more

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

Your home state has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see rates 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.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $300 each year, whereas buying more liability protection will push rates upward. 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 anywhere from $1,200 to $1,600 additional every year, depending on your age. Lexus HS 250h insurance for high-risk drivers can be anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

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 the Cheapest Lexus HS 250h Insurance

Finding cheaper rates on Lexus HS 250h insurance requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a recap of the data covered in the above illustrations.

• Drivers who purchase higher liability limits will pay approximately $440 each year to increase from a 30/60 limit to 250/500 limits
• Drivers can save around $110 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $300 each year
• Teenagers are the costliest to insure, costing up to $320 each month including comprehensive and collision insurance