Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $1,024 a year with full coverage. Comprehensive costs on average $198, collision costs $288, and liability is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing around $2,204. Teens pay the highest rates at $3,962 a year or more.

Average premium for full coverage: $1,024

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion.

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

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $608
• Raising to $1,000 deductibles will save around $112 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,024
• Selecting more expensive low deductibles bumps up the cost to $1,236
• At-risk drivers with serious driving violations could pay upwards of $2,204 or more
• The price that insures a teen driver with full coverage may cost $3,962

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

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $3,900 a year. View Rates by Age

The state you live in also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find prices as low as $740 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,380 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $330 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company calculates prices differently, so the prices may be quite 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 Find Low Cost Lexus HS 250h Insurance

Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare rates at least every other year by quoting rates from direct companies, and also from several local insurance agents.

The list below is a review of the car insurance concepts covered above.

• Higher risk drivers who have several accidents or serious violations pay on average $1,180 more each year for car insurance
• You may be able to save as much as $120 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $325 each year
• Policyholders who require higher liability limits will pay approximately $440 every year to raise from a low limit to the 250/500 level