Lexus HS 250h Insurance Rates

Estimated insurance prices for a Lexus HS 250h are $986 every 12 months for full coverage insurance. Comprehensive insurance costs on average $186 each year, collision costs $262, and liability coverage costs $402. A policy with only liability insurance costs as little as $446 a year, with a high-risk policy costing $2,120 or more. 16-year-old drivers pay the most at $3,840 a year or more.

Average premium for full coverage: $986

Premium estimates by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities.

The graphic below illustrates the difference location can make on car insurance rates.

These rate differences illustrate why all drivers should compare rates based on a specific location and their own driving history, rather than using rate averages.

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 best full coverage rate is $588
• Drivers who choose higher $1,000 deductibles will pay around $102 each year
• The average price for a 40-year-old good driver with $500 deductibles is $986
• Buying low deductibles for comprehensive and collision insurance costs an extra $194 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,120 or more
• An auto insurance policy to insure a teenage driver may cost $3,840 a year

Car insurance prices for a Lexus HS 250h also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your HS 250h.

Opting for high physical damage deductibles could save up to $300 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 135% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Lexus HS 250h insurance rates. A 40-year-old driver could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,330 on average in Michigan, New York, and Florida.

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so rate quotes will be substantially 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 Best Lexus HS 250h Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates every couple of years by getting quotes from direct insurance companies, and also from several local insurance agents.

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

• Consumers who require increased liability limits will pay around $440 annually to go from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums being up to $320 per month if the policy includes full coverage
• Drivers who tend to receive serious violations pay on average $1,130 more each year to insure a Lexus HS 250h
• Increasing policy deductibles could save as much as $300 each year