Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $986 annually for full coverage insurance. Comprehensive costs on average $186, collision costs $262, and liability insurance is estimated at $402. A policy with only liability insurance costs approximately $446 a year, with a high-risk policy costing around $2,120. Teens pay the most at $3,840 a year or more.

Average premium for full coverage: $986

Premium estimates by type of coverage:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Information

The chart below illustrates estimated Lexus HS 250h insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $588
• Choosing higher $1,000 deductibles can save around $102 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $986
• Selecting more expensive low deductibles for comp and collision coverage will cost $1,180
• High-risk insureds with serious driving violations could pay upwards of $2,120 or more
• An auto insurance policy with full coverage for a teen driver with full coverage may cost $3,840 each year

Car insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your risk profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,600 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,330 on average in Michigan, New York, and Florida.

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, so rate quotes will be substantially 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 Low Cost Lexus HS 250h Insurance

Finding better rates on Lexus HS 250h insurance takes not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies, and also from local exclusive and independent agents.

The following is a review of the information presented in the illustrations above.

• It is possible to save as much as $110 per year simply by shopping early and online
• Teens are expensive to insure, with premiums being up to $320 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $300 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,130 more each year for HS 250h insurance
• Drivers who require higher liability limits will pay approximately $440 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits