Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive costs an estimated $186, collision insurance costs $262, and liability is estimated at $402. Buying just liability costs approximately $446 a year, and insurance for high-risk drivers costs around $2,120. Teens pay the highest rates at up to $3,840 a year.

Average premium for full coverage: $986

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.

The ranges above illustrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Lexus HS 250h insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $588
• Choosing higher $1,000 deductibles can save approximately $102 each year
• The average rate for the average middle-age driver who has $500 deductibles is $986
• Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,180
• Higher-risk drivers with serious driving violations could pay up to $2,120
• The price for full coverage for a 16-year-old driver with full coverage can cost as much as $3,840 each year

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

An older driver with no violations or accidents and high deductibles may pay as low as $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $3,800 a year. View Rates by Age

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,200 to $1,600 additional each year, depending on your age. High-risk driver insurance ranges from 42% to 135% more than the average policy. View High Risk Driver Rates

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 the Best Lexus HS 250h Insurance

Getting lower rates on insurance for a Lexus HS 250h takes avoiding accidents and violations, having a good credit history, not filing small claims, and possibly raising deductibles. Invest time comparing rates every year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a brief recap of the coverage data covered in the charts and tables above.

• It is possible to save approximately $110 per year just by shopping early and online
• Increasing physical damage deductibles can save around $300 each year
• Teenagers are expensive to insure, as much as $320 a month including comprehensive and collision insurance
• Drivers considered higher risk who tend to receive serious violations pay on average $1,130 more annually for car insurance