Lexus HS 250h Insurance Rates

Average insurance prices for a Lexus HS 250h are $986 every 12 months for full coverage. Comprehensive insurance costs on average $186 each year, collision insurance costs $262, and liability coverage costs $402. A policy with just liability insurance costs as little as $446 a year, and coverage for high-risk drivers costs $2,120 or more. Teens receive the highest rates at up to $3,840 a year.

Average premium for full coverage: $986

Rate estimates by individual coverage type:

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.

These examples show why all drivers should compare rates based on a specific location and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $588
• Drivers who choose higher $1,000 deductibles will pay around $102 a year
• The average price for a 40-year-old driver with $500 deductibles is $986
• Selecting low deductibles for comprehensive and collision insurance costs an extra $194 each year
• High-risk insureds with serious driving violations could pay upwards of $2,120
• The cost to insure a teenage driver may cost $3,840 a year

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

Choosing higher comprehensive and collision insurance deductibles could save up to $300 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $900 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $3,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,200 to $1,600 additional per year, depending on your age. Insurance for high-risk drivers can cost around 42% to 135% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Lexus HS 250h insurance rates. A 40-year-old driver could pay as low as $650 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,410 on average in Michigan, Louisiana, and New York.

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 Cheap Lexus HS 250h Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to shop around every year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a brief summary of the coverage data raised in the charts and tables above.

• Drivers can save as much as $110 per year just by quoting online in advance
• Increasing deductibles could save as much as $300 each year
• Teen drivers pay higher rates, costing as high as $320 per month if full coverage is included
• Drivers that tend to have accidents or serious violations pay an average of $1,130 more each year to insure their HS 250h