Lexus HS 250h Insurance Rates

Estimated insurance prices for a Lexus HS 250h are $986 every 12 months with full coverage. Comprehensive costs on average $186 each year, collision costs $262, and liability costs $402. A liability-only policy costs as little as $446 a year, with high-risk insurance costing around $2,120. 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:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences demonstrate why all drivers should compare rates based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below details 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 annually
• The average price for a 40-year-old good driver with $500 deductibles is $986
• Buying low deductibles for comprehensive and collision insurance increases the price to $1,180
• Drivers with multiple tickets or accidents could pay upwards of $2,120 or more
• An auto insurance policy to insure a 16-year-old driver may cost $3,840 a year

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

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

More mature drivers with a good driving record and higher deductibles may pay as low as $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 have to pay upwards of $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,200 to $1,600 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost from 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 prices. A 40-year-old driver could pay as low as $710 a year in states like New Hampshire, Ohio, and Utah, or at least $1,330 on average in Florida, Michigan, and New York.

With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, and quoted prices 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 Cheaper Lexus HS 250h Insurance

Finding better rates on insurance for a Lexus HS 250h not only requires having a decent driving record, but also having a good credit score, being claim-free, and taking advantage of discounts. Set aside time to compare rates every couple of years by requesting rates from direct companies, and also from local exclusive and independent agents.

The following items are a condensed summary of the material that was covered above.

• Insureds who require additional liability coverage will pay around $440 every year to go from 30/60 bodily injury limits to a 250/500 level
• 16 to 18-year-old drivers are charged the highest prices, possibly costing $320 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,130 more each year than a driver with a clean driving record
• Increasing policy deductibles could save as much as $300 each year