Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Price estimates broken down by individual coverage:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

The ranges above highlight why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $588
• Raising to $1,000 deductibles will save approximately $884 every year
• The average rate for the average middle-age driver who has $500 deductibles is $986
• Using low $100 deductibles will increase the cost to $1,180
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,120 or more
• The price for full coverage for a teen driver can cost as much as $3,840

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

Older drivers with a clean driving record and high deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $3,800 a year. View Rates by Age

The state you live in also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find prices as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,410 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles can reduce prices by up to $300 each year, while buying higher liability limits will increase premiums. Changing 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 are likely paying $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance 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 Cheaper Lexus HS 250h Insurance

Getting lower rates on Lexus HS 250h insurance consists of being a low-risk driver, maintaining good credit, being claim-free, and taking advantage of discounts. Spend time shopping around every couple of years by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a condensed summary of the material that was touched on above.

• Drivers who want more liability coverage will pay an extra $440 per year to raise from a low limit to 250/500 limits
• Teen drivers are charged the highest prices, possibly costing $320 a month for full coverage
• High-risk drivers with multiple at-fault accidents may pay on average $1,130 more annually to insure their HS 250h
• Increasing physical damage deductibles can save around $300 each year