Lexus HS 250h Insurance Rates

Average auto insurance rates for a Lexus HS 250h are $986 annually for full coverage insurance. Comprehensive insurance costs an estimated $186 each year, collision costs $262, and liability insurance costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing $2,120 or more. Teenage drivers receive the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Rate estimates broken down by individual coverage type:

Prices include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

These examples illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $588
• Using higher $1,000 deductibles will save approximately $102 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $986
• Using low deductibles for physical damage coverage costs an additional $194 a year
• Drivers who are prone to accidents and violations could pay up to $2,120 or more
• The cost with full coverage for a teen driver can cost as much as $3,840 or more

Auto insurance rates for a Lexus HS 250h can also vary considerably based on the trim level of your HS 250h, your risk profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,200 to $1,600 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates

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

Where you live has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see rates as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,330 on average in Florida, New York, and Michigan.

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

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 Right Lexus HS 250h Insurance

Saving money on Lexus HS 250h insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a quick rundown of the data presented in the illustrations above.

• Drivers who want higher levels of liability will pay an extra $440 annually to increase from a minimum limit to higher 250/500 limits
• It is possible to save approximately $110 per year simply by quoting online in advance
• Increasing deductibles could save up to $300 each year
• Teenage drivers are the costliest to insure, costing up to $320 per month if full coverage is included