Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Price estimates by individual coverage:

Includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas have fewer collision claims than larger metro areas.

The diagram below illustrates how your location can change car insurance rates.

The ranges above demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below details estimated Lexus HS 250h insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $588
• Choosing higher $1,000 deductibles can save around $884 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $986
• Choosing low $100 deductibles for comp and collision coverage costs an additional $194 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,120 or more
• The price with full coverage for a teen driver may cost $3,840 each year

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

Older drivers with no driving violations and high physical damage deductibles could pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,200 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $300 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury 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

The state you live in plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $710 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,330 on average in Florida, Michigan, and New York.

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes 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 the Cheapest Lexus HS 250h Insurance

Getting lower rates on Lexus HS 250h insurance takes being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a recap of the material that was illustrated above.

• Drivers who require more liability protection will pay about $440 every year to raise limits from a low limit to higher 250/500 limits
• Youthful drivers are expensive to insure, costing up to $320 a month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents pay an average of $1,130 more each year than a low-risk driver
• Increasing physical damage deductibles could save up to $300 each year