Lexus HS 250h Insurance Rates

U.S. average auto insurance rates for a Lexus HS 250h are $986 annually with full coverage. Comprehensive insurance costs around $186 a year, collision costs $262, and liability coverage is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing $2,120 or more. Teen drivers pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above demonstrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $588
• Raising to $1,000 deductibles will save about $884 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $986
• Choosing low $100 deductibles costs an additional $194 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,120 or more
• The price with full coverage for a teenage driver can be $3,840

Insurance prices for a Lexus HS 250h are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $300 a year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find prices as low as $710 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,330 on average in Florida, Michigan, and New York.

Since prices can be so different, the best way to find out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices may be quite different between companies.

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 Buy Cheap Lexus HS 250h Insurance

Getting lower rates on auto insurance consists of avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a brief summary of the car insurance concepts covered in the above illustrations.

• Drivers that tend to have accidents or serious violations may pay on average $1,130 more every year to insure a Lexus HS 250h
• You may be able to save up to $110 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $300 each year
• Consumers who may need increased liability limits will pay about $440 every year to raise from a low limit to higher 250/500 limits