Lexus HS 250h Insurance Rates

Average insurance rates for a Lexus HS 250h are $986 a year including full coverage. Comprehensive insurance costs approximately $186, collision insurance costs $262, and liability insurance is $402. A policy with just liability insurance costs around $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 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance prices.

These examples highlight why everyone should compare rates quotes using their specific location, rather than relying on averaged prices.

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

Additional Rate Information

The chart below breaks down average Lexus HS 250h insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $588
• Raising to $1,000 deductibles will save $102 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $986
• Selecting pricier low deductibles will cost an additional $194 a year
• Higher-risk drivers with serious driving violations could pay around $2,120
• The cost that insures a teen driver for full coverage can cost $3,840

Insurance rates for a Lexus HS 250h can also vary considerably based on the model of your HS 250h, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,200 to $1,600 additional per year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark 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 $760 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,410 on average in Louisiana, New York, and Michigan.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $300 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

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 Cheap Lexus HS 250h Insurance

Saving money on Lexus HS 250h insurance consists of being a good driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following list is a brief summary of the concepts that were covered in the charts and tables above.

• High-risk drivers that tend to have accidents or serious violations will likely pay on average $1,130 more per year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, as much as $320 per month if comprehensive and collision insurance is included
• You may be able to save around $110 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $300 each year
• You may be able to save around $110 per year just by quoting online well ahead of the renewal date