Lexus HS 250h Insurance Rates

Average insurance prices for a Lexus HS 250h are $986 every 12 months with full coverage. Comprehensive costs approximately $186 each year, collision costs $262, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing around $2,120. Teenage drivers receive the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations tend to have more infrequent collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These examples demonstrate why all drivers should compare rates quotes using their specific location and their own driving history, instead of using 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 additional coverage and risk scenarios.

• The best discount rate is $588
• Raising to $1,000 deductibles will save $102 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $986
• Using low deductibles increases the price to $1,180
• At-risk drivers who are prone to accidents and violations could pay around $2,120 or more
• The cost to insure a teen driver can cost $3,840

Car insurance rates for a Lexus HS 250h can also vary considerably based on policy deductibles and limits, your driving record, and the model of your HS 250h.

Using high physical damage deductibles can reduce rates by up to $300 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost 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 little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $3,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,200 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find rates 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.

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly 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 the Cheapest Lexus HS 250h Insurance

Saving money on car insurance consists of having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around at least once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save around $110 per year simply by quoting online in advance
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,130 more per year than a driver with a clean driving record
• Increasing deductibles could save as much as $300 each year
• 16 to 18-year-old drivers pay the highest auto insurance rates, with premiums as much as $320 per month if the policy includes full coverage