Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $1,024 annually including full coverage. Comprehensive insurance costs an estimated $198, collision costs $288, and liability costs around $402. A policy with only liability insurance costs as low as $446 a year, with a high-risk policy costing $2,204 or more. Teenage drivers pay the most at $3,962 a year or more.

Average premium for full coverage: $1,024

Premium estimates broken down by type of coverage:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, 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 breaks down estimated Lexus HS 250h insurance rates for other coverage scenarios.

• The best discount rate is $608
• Using higher $1,000 deductibles will save approximately $112 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,024
• Using more expensive low deductibles for physical damage coverage costs an additional $212 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,204 or more
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $3,962 or more

Car insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your driving characteristics, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $3,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $330 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,460 on average in Louisiana, New York, and Michigan.

With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially 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 Best Lexus HS 250h Insurance

Finding better rates on insurance for a Lexus HS 250h requires being a safe and courteous driver, having a good credit score, refrain from filing small claims, and not having any coverage lapses. Spend time shopping around every other policy renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a brief recap of the ideas that were touched on above.

• Teenage drivers have the highest car insurance prices, with the cost nearing $330 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,180 more annually for auto insurance
• Increasing policy deductibles could save up to $325 each year
• You may be able to save approximately $120 per year simply by shopping early and online