Lexus HS 250h Insurance Rates

Average insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive costs on average $186 each year, collision costs $262, and liability coverage is $402. Buying just liability costs around $446 a year, with insurance for high-risk drivers costing around $2,120. Teens receive the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have lower incidents of physical damage claims than cities with more traffic congestion.

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

These examples illustrate why all drivers should compare rates quotes based on a specific location, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $588
• Raising to $1,000 deductibles will save around $102 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $986
• Selecting low deductibles bumps up the cost to $1,180
• Unlucky drivers with serious driving violations could pay upwards of $2,120 or more
• The cost that insures a teenage driver may cost $3,840

Auto insurance rates for a Lexus HS 250h can also vary considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,200 to $1,600 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 135% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $3,800 a year. View Rates by Age

Where you live also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find rates as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,330 on average in Michigan, New York, and Florida.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates can be significantly different.

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 Best Lexus HS 250h Insurance

Saving money on auto insurance consists of avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief recap of the material that was touched on in the above illustrations.

• Consumers who require increased liability limits will pay approximately $440 annually to raise from a minimum limit to the 250/500 level
• Drivers under the age of 20 are charged the highest rates, costing up to $320 per month if the policy includes full coverage
• Drivers who tend to receive serious violations may pay on average $1,130 more each year to insure a Lexus HS 250h
• Increasing deductibles can save approximately $300 each year