Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $986 a year including full coverage. Comprehensive insurance costs an estimated $186, collision costs $262, and liability insurance costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,120 or more. 16-year-old drivers cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $588
• Drivers who choose higher $1,000 deductibles will pay approximately $102 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $986
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $194 a year
• High risk drivers with multiple tickets or accidents could pay up to $2,120 or more
• Policy cost that insures a teen driver with full coverage can cost as much as $3,840 a year

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,200 to $1,600 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could 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 should be prepared to pay at least $3,800 a year. View Rates by Age

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

Opting for high physical damage deductibles could save up to $300 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Every company utilizes a different rate formula, and 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 More Affordable Lexus HS 250h Insurance

Finding cheaper rates on Lexus HS 250h insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a summary of the data covered above.

• Drivers who want increased liability limits will pay around $440 per year to go from a 30/60 limit to the 250/500 level
• You may be able to save approximately $110 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Drivers under the age of 20 are expensive to insure, with premiums being up to $320 each month if comprehensive and collision insurance is included