Lexus HS 250h Insurance Rates

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

Average premium for full coverage: $986

Price estimates broken down by individual coverage:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using price averages.

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

More Rate Information

The chart below breaks down estimated Lexus HS 250h insurance rates for other coverage scenarios.

• The lowest rate with discounts is $588
• Raising to $1,000 deductibles will save approximately $102 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $986
• Choosing more expensive low deductibles bumps up the cost to $1,180
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,120 or more
• The price that insures a teen driver with full coverage can cost as much as $3,840

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

If you have some driving violations or you caused an accident, you are likely paying $1,200 to $1,600 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 135% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $3,800 a year. View Rates by Age

The state you live in also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find prices as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,410 on average in Louisiana, New York, and Michigan.

Choosing high deductibles can reduce prices by up to $300 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection 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

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, so rate quotes may be quite 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 Cheaper Lexus HS 250h Insurance

Getting lower rates on car insurance consists of having a good driving record, having a positive credit history, being claim-free, and not having any coverage lapses. Shop around at every policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a condensed summary of the data covered in the above illustrations.

• Policyholders who want increased levels of liability coverage will pay about $440 per year to raise from a low limit to the 250/500 level
• You may be able to save approximately $110 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $300 each year
• Drivers age 20 and younger have the highest car insurance prices, possibly costing $320 a month if full coverage is purchased