Lexus HS 250h Insurance Rates

Average auto insurance rates for a Lexus HS 250h are $986 annually with full coverage. Comprehensive insurance costs an estimated $186 a year, collision insurance costs $262, and liability insurance costs $402. A policy with just liability insurance costs as little as $446 a year, and coverage for high-risk drivers costs $2,120 or more. Teen drivers receive the highest rates at up to $3,840 a year.

Average premium for full coverage: $986

Rate estimates broken down by individual coverage type:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and HS 250h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations tend to have fewer collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $588
• Drivers who choose higher $1,000 deductibles will pay approximately $884 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $986
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $194 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,120
• The cost with full coverage for a teen driver can cost as much as $3,840 a year

Insurance rates for a Lexus HS 250h can also vary considerably based on the trim level of your HS 250h, your driving record, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, 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 like to drive fast or you caused a few accidents, you may be forking out $1,200 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $300 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus HS 250h insurance rates. A 40-year-old driver could pay as low as $710 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,330 on average in New York, Michigan, and Florida.

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 Lexus HS 250h Insurance

Saving money on Lexus HS 250h insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief recap of the data covered in the above illustrations.

• Drivers who want higher liability limits will pay about $440 every year to go from a minimum limit to higher 250/500 limits
• You may be able to save approximately $110 per year just by quoting early and online
• Increasing deductibles could save up to $300 each year
• Teens are expensive to insure, with premiums as much as $320 per month if they have full coverage