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 costs $262, and liability costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing around $2,120. Teen drivers cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and HS 250h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $588
• Drivers who choose higher $1,000 deductibles will pay about $884 every year
• The estimated price for a good driver age 40 using $500 deductibles is $986
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,180
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,120 or more
• Policy cost that insures a teen driver can be $3,840 a year

Insurance rates for a Lexus HS 250h also range considerably based on the trim level of your HS 250h, your driving record and age, and deductibles and policy limits.

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

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $3,800 a year. View Rates by Age

Your home state makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,410 on average in Michigan, New York, and Louisiana.

Choosing high deductibles could save up to $300 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied.

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 Cheaper Lexus HS 250h Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Shop around at every policy renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a condensed summary of the data touched on in this article.

• Policyholders who may need more liability protection will pay about $440 per year to go from a 30/60 limit to the 250/500 level
• You may be able to save up to $110 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Youthful drivers pay higher rates, with premiums being up to $320 each month if full coverage is included