Lexus HS 250h Insurance Rates

Average insurance rates for a Lexus HS 250h are $1,024 a year for full coverage insurance. Comprehensive insurance costs approximately $198, collision insurance costs $288, and liability is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs $2,204 or more. Teenage drivers receive the highest rates at up to $3,962 a year.

Average premium for full coverage: $1,024

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why everyone should compare rates quotes using their specific location, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $608
• Raising to $1,000 deductibles will save $112 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,024
• Using pricier low deductibles will cost an additional $212 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,204
• The cost that insures a teen driver for full coverage can cost $3,962

Auto insurance rates for a Lexus HS 250h can also vary considerably based on the model of your HS 250h, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 in extra premium per year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,900 a year. View Rates by Age

Where you live also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find rates as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,380 on average in Florida, New York, and Michigan.

Using high physical damage deductibles can reduce rates by up to $330 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

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 Best Cheap Lexus HS 250h Insurance

Saving money on car insurance consists of having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following items are a quick review of the ideas that were raised in the charts and tables above.

• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $330 per month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,180 more per year than a driver with a clean driving record
• Increasing deductibles can save approximately $325 each year
• It is possible to save around $120 per year just by quoting online well ahead of the renewal date