Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year including full coverage. Comprehensive costs around $186 a year, collision costs $262, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing around $2,120. Teens pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates for individual coverage:

Prices include $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above highlight why it is important to get quotes for a specific zip code and risk profile, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Lexus HS 250h insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $588
• Choosing higher $1,000 deductibles can save about $884 every year
• The average rate for the average middle-age driver using $500 deductibles is $986
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,180
• Unlucky drivers with serious driving violations could pay at least $2,120 or more
• The price for full coverage for a teen driver can be $3,840 each year

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

Older drivers with no driving violations and high deductibles may pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $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 $760 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,410 on average in Michigan, New York, and Louisiana.

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 every year, while buying higher liability limits will increase prices. Changing from a 50/100 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

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 135% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, so rate quotes 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 the Right Lexus HS 250h Insurance

Getting lower rates on car insurance takes having a good driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at least once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a quick rundown of the primary concepts that were covered above.

• You may be able to save up to $110 per year simply by quoting early and online
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,130 more every year to buy Lexus HS 250h insurance
• Increasing physical damage deductibles can save around $300 each year
• Drivers age 20 and younger are the costliest to insure, possibly costing $320 a month if full coverage is included