Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $1,024 annually including full coverage. Comprehensive insurance costs around $198 each year, collision costs $288, and liability is $402. A liability-only policy costs around $446 a year, with high-risk insurance costing $2,204 or more. 16-year-old drivers pay the most at $3,962 a year or more.

Average premium for full coverage: $1,024

Premium estimates for type of coverage:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how where you live affects auto insurance rates.

These rate differences highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, 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 breaks down estimated Lexus HS 250h insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $608
• Raising to $1,000 deductibles will save about $112 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,024
• Buying low deductibles costs an additional $212 annually
• Drivers with multiple tickets or accidents could pay at least $2,204 or more
• An auto insurance policy with full coverage for a 16-year-old driver can be $3,962

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $3,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $330 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find prices as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,460 on average in Michigan, New York, and Louisiana.

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices 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 Cheap Lexus HS 250h Insurance

Finding better rates on insurance for a Lexus HS 250h consists of avoiding accidents and violations, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Take the time to comparison shop at least once a year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The list below is a quick review of the primary concepts that were touched on in the above illustrations.

• You may be able to save up to $120 per year simply by quoting online in advance
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,180 more every year for car insurance
• Increasing policy deductibles could save up to $325 each year
• Teenagers are expensive to insure, with the cost nearing $330 per month if full coverage is included