Lexus HS 250h Insurance Rates

U.S. average insurance prices for a Lexus HS 250h are $1,024 every 12 months with full coverage. Comprehensive costs an estimated $198 a year, collision costs $288, and liability coverage costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing around $2,204. Teenage drivers pay the highest rates at $3,962 a year or more.

Average premium for full coverage: $1,024

Price estimates broken down by individual coverage:

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why it is important to compare rates for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below details estimated Lexus HS 250h insurance rates for other coverage scenarios.

• The best discount rate is $608
• Drivers who choose higher $1,000 deductibles will pay approximately $912 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,024
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,236
• High-risk insureds who are prone to accidents and violations could pay up to $2,204 or more
• The price to insure a teenage driver can cost as much as $3,962 a year

Car insurance prices for a Lexus HS 250h are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Using high physical damage deductibles could save up to $330 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Lexus HS 250h insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,380 on average in New York, Michigan, and Florida.

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate prices, so rate quotes may be quite 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 Shop for the Right Lexus HS 250h Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick rundown of the information covered above.

• You may be able to save approximately $120 per year simply by quoting early and online
• Teen drivers have the highest car insurance prices, costing up to $330 a month if the policy includes full coverage
• Increasing physical damage deductibles could save as much as $325 each year
• Drivers with reckless driving or DUI convictions may pay on average $1,180 more annually to insure their HS 250h
• Consumers who want more liability coverage will pay an extra $440 every year to go from a low limit to a 250/500 level