Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $986 a year including full coverage. Comprehensive costs around $186 a year, collision insurance costs $262, and liability is estimated at $402. Buying just liability costs approximately $446 a year, and insurance for high-risk drivers costs around $2,120. Teenage drivers cost the most to insure at up to $3,840 a year.

Average premium for full coverage: $986

Policy rates for type of insurance:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and HS 250h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below breaks down average Lexus HS 250h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $588
• Choosing higher $1,000 deductibles can save about $884 every year
• The average rate for a good driver age 40 using $500 deductibles is $986
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,180
• Unlucky drivers who are prone to accidents and violations could pay at least $2,120
• Policy cost for full coverage for a teen driver can be $3,840 each year

Insurance rates for a Lexus HS 250h also range considerably based on your risk profile, the model of your HS 250h, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $3,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus HS 250h insurance prices. A good driver about age 40 could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,410 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles can save as much as $300 every year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,200 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

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

Finding cheaper rates on car insurance takes not taking risks behind the wheel, maintaining good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief summary of the information touched on in the above illustrations.

• You may be able to save up to $110 per year just by quoting early and online
• Teens pay higher rates, with premiums being up to $320 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $300 each year
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,130 more every year for HS 250h insurance
• Policyholders who may need higher liability limits will pay an extra $440 per year to raise limits from a 30/60 limit to 250/500 limits