Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive insurance costs approximately $186, collision costs $262, and liability costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,120 or more. 16-year-old drivers cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities.

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

The examples above illustrate why everyone should compare prices using their specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $588
• Using higher $1,000 deductibles will save $102 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $986
• Buying pricier low deductibles for physical damage coverage will cost an extra $194 annually
• High-risk insureds with multiple tickets or accidents could pay around $2,120 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost $3,840 or more

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

A more mature driver with no driving violations and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $3,800 a year. View Rates by Age

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

Opting for high physical damage deductibles could cut rates by as much as $300 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,200 to $1,600 extra every year, depending on your age. Lexus HS 250h insurance for high-risk drivers can be from 42% to 135% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes 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 Affordable Lexus HS 250h Insurance

Finding cheaper rates on insurance for a Lexus HS 250h requires being a safe and courteous driver, having above-average credit, being claim-free, and avoiding coverage lapses. Invest the time to compare rates at every other renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a brief review of the concepts that were presented in the illustrations above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,130 more per year for auto insurance
• Teenage drivers pay the highest auto insurance rates, possibly costing $320 each month if full coverage is included
• It is possible to save around $110 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $300 each year
• It is possible to save around $110 per year simply by quoting online well ahead of the renewal date