Lexus HS 250h Insurance Rates

U.S. average insurance prices for a Lexus HS 250h are $1,024 every 12 months with full coverage. Comprehensive costs on average $198 each year, collision costs $288, and liability is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance costing around $2,204. Teenage drivers pay the highest rates at $3,962 a year or more.

Average premium for full coverage: $1,024

Price estimates by individual coverage:

Price 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 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas have more infrequent collision claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $608
• Raising to $1,000 deductibles will save around $112 annually
• The average price for the average middle-age driver with $500 deductibles is $1,024
• Using low deductibles increases the price to $1,236
• Drivers who are prone to accidents and violations could pay upwards of $2,204 or more
• The price to insure a 16-year-old driver may cost $3,962

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

Using high physical damage deductibles can reduce prices by up to $330 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

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 be forced to pay as much as $1,380 on average in Florida, Michigan, and New York.

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, so rate quotes 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 Shop for Cheaper Lexus HS 250h Insurance

Getting lower rates on insurance for a Lexus HS 250h consists of avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a condensed summary of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,180 more each year to insure a Lexus HS 250h
• You may be able to save as much as $120 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $325 each year
• Insureds who require increased liability limits will pay an extra $440 every year to raise from a low limit to a 250/500 level