Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Premium estimates by type of coverage:

Includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences demonstrate why everyone should get quotes using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

The chart below details average Lexus HS 250h insurance rates for additional coverage and risk scenarios.

• The best discount rate is $588
• Choosing higher $1,000 deductibles can save $102 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $986
• Using pricier low deductibles for comp and collision coverage costs an additional $194 every year
• Unlucky drivers who are prone to accidents and violations could pay around $2,120
• An auto insurance policy with full coverage for a teen driver for full coverage can 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 driving record, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may 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 in the ballpark of $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,600 extra annually, depending on your age. Lexus HS 250h insurance for high-risk drivers ranges as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $300 every year, whereas buying more liability protection will push prices upward. Moving 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 prices. A good driver about age 40 could pay as low as $710 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,330 on average in New York, Michigan, and Florida.

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 the Cheapest Lexus HS 250h Insurance

Finding better rates on car insurance takes being a good driver, having a good credit score, being claim-free, and attention to physical damage deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following list is a recap of the car insurance concepts covered above.

• Higher risk drivers that have major violations or accidents may pay on average $1,130 more per year than a safer driver
• You may be able to save around $110 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $300 each year
• Policyholders who purchase an increased level of liability coverage will pay an extra $440 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits