Lexus HS 250h Insurance Rates

The average auto insurance rates for a Lexus HS 250h are $986 annually including full coverage. Comprehensive costs an estimated $186 each year, collision insurance costs $262, and liability costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs around $2,120. 16-year-old drivers cost the most to insure at up to $3,840 a year.

Average premium for full coverage: $986

Policy rates broken down by type of insurance:

Rates are based on $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.

The examples above highlight why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $588
• Using higher $1,000 deductibles will save approximately $102 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $986
• Buying low deductibles for physical damage coverage will cost $1,180
• Drivers with multiple tickets or accidents could pay up to $2,120
• Policy cost with full coverage for a teen driver can cost as much as $3,840 or more

Insurance rates for a Lexus HS 250h also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $3,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,200 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $300 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,410 on average in Louisiana, New York, and Michigan.

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 Buy the Best Cheap Lexus HS 250h Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a quick review of the material that was covered in the above illustrations.

• Policyholders who want higher liability limits will pay around $440 per year to increase from a 30/60 limit to higher 250/500 limits
• Teens are expensive to insure, with premiums being up to $320 each month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,130 more annually for HS 250h insurance
• Increasing comprehensive and collision deductibles could save up to $300 each year