Lexus HS 250h Insurance Rates

U.S. average auto insurance rates for a Lexus HS 250h are $1,024 annually for full coverage. Comprehensive costs around $198 each year, collision costs $288, and liability coverage costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing around $2,204. 16-year-old drivers pay the highest rates at $3,962 a year or more.

Average premium for full coverage: $1,024

Price estimates for individual coverage:

Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and HS 250h models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities.

The graphic below illustrates how location helps determine auto insurance rates.

The ranges above show why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $608
• Using higher $1,000 deductibles will save about $112 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,024
• Buying low deductibles for physical damage coverage will cost $1,236
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,204 or more
• The price with full coverage for a teenage driver can be $3,962 or more

Auto insurance prices for a Lexus HS 250h are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,000 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,200 to $1,700 in extra premium each year, depending on your age. Insurance for high-risk drivers can be around 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $330 a year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see prices as low as $680 a year in states like Idaho, Maine, and Iowa, or at least $1,460 on average in Michigan, Louisiana, and New York.

Since prices can be so different, the only way to know your exact price is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and quoted prices may be quite 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 Low Cost Lexus HS 250h Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a review of the concepts that were covered in the charts and tables above.

• Drivers who have several accidents or serious violations pay an average of $1,180 more every year for HS 250h insurance
• Teens are expensive to insure, with premiums as much as $330 a month if full coverage is included
• Drivers can save up to $120 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $325 each year
• Drivers can save up to $120 per year simply by quoting online in advance