Lexus HS 250h Insurance Rates

Estimated insurance rates for a Lexus HS 250h are $1,024 a year with full coverage. Comprehensive costs approximately $198, collision costs $288, and liability coverage costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing around $2,204. 16-year-old drivers pay the most at $3,962 a year or more.

Average premium for full coverage: $1,024

Premium estimates by type of coverage:

Prices include $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than congested cities.

The price range example below illustrates how your location can change auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $608
• Drivers who choose higher $1,000 deductibles will pay $112 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,024
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,236
• High-risk insureds with multiple tickets or accidents could pay around $2,204 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost $3,962 a year

Insurance prices for a Lexus HS 250h also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $3,900 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus HS 250h insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Utah, Ohio, and New Hampshire, or at least $1,380 on average in New York, Michigan, and Florida.

Opting for high physical damage deductibles could save up to $330 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Every company utilizes a different rate formula, so the 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 Find the Right Lexus HS 250h Insurance

Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and maximizing policy discounts. Comparison shop every year by obtaining price quotes from direct companies, and also from local insurance agencies.

The following is a quick rundown of the coverage data illustrated above.

• You may be able to save around $120 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $325 each year
• Teens are expensive to insure, possibly costing $330 per month if full coverage is included
• Drivers with reckless driving or DUI convictions may have to pay on average $1,180 more per year for HS 250h insurance