Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $1,024 a year for full coverage. Comprehensive costs an estimated $198, collision costs $288, and liability costs $402. A policy with just liability insurance costs as little as $446 a year, with coverage for high-risk drivers 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 broken down by individual coverage:

Estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using average rates.

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

More Rate Details

The chart below shows estimated Lexus HS 250h insurance rates for other coverage scenarios.

• The best discount rate is $608
• Drivers who choose higher $1,000 deductibles will pay approximately $112 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,024
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,236
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,204 or more
• The price for full coverage for a teen driver with full coverage can cost as much as $3,962 a year

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

An older driver with a clean driving record and high deductibles may pay as little as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $3,900 a year. View Rates by Age

The state you live in makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $680 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,460 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles could save up to $330 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

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 not only requires having a good driving record, but also maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to compare rates at every other renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a review of the concepts that were covered in the above illustrations.

• Higher risk drivers who have several accidents or serious violations pay an average of $1,180 more annually to buy Lexus HS 250h insurance
• Drivers age 20 and younger are charged the highest prices, with premiums as much as $330 a month for full coverage
• Drivers can save approximately $120 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $325 each year
• Drivers can save approximately $120 per year simply by shopping early and online