Lexus HS 250h Insurance Rates

Estimated insurance prices for a Lexus HS 250h are $1,024 every 12 months for full coverage insurance. Comprehensive costs on average $198, collision costs $288, and liability insurance costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing around $2,204. Teenage drivers pay the most at $3,962 a year or more.

Average premium for full coverage: $1,024

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $608
• Using higher $1,000 deductibles will save around $112 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,024
• Using more expensive low deductibles for physical damage coverage increases the price to $1,236
• Drivers who are prone to accidents and violations could pay upwards of $2,204 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $3,962 or more

Auto insurance prices for a Lexus HS 250h also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your HS 250h.

Using high physical damage deductibles could cut prices by as much as $330 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $3,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see prices as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,380 on average in Michigan, New York, and Florida.

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

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 Shop for the Best Cheap Lexus HS 250h Insurance

Finding better rates on Lexus HS 250h insurance requires being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates at every other renewal by getting quotes from direct insurance companies, and also from several local insurance agents.

Below you'll find a quick review of the concepts that were covered in the charts and tables above.

• High-risk drivers with a DUI or reckless driving violation pay on average $1,180 more each year than a low-risk driver
• Youthful drivers are charged the highest prices, with premiums being up to $330 per month if comprehensive and collision insurance is included
• It is possible to save as much as $120 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $325 each year
• It is possible to save as much as $120 per year simply by shopping early and online