Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive insurance costs on average $186, collision costs $262, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers 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:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $588
• Using higher $1,000 deductibles will save around $102 each year
• The estimated price for the average middle-age driver with $500 deductibles is $986
• Choosing more expensive low deductibles for physical damage coverage will cost an additional $194 every year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,120 or more
• The price that insures a teen driver with full coverage may cost $3,840 or more

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

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,200 to $1,600 additional each year, depending on your age. High-risk driver insurance can be as much as 42% to 135% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,800 a year. View Rates by Age

The state you live in has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see prices as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,330 on average in Michigan, New York, and Florida.

Choosing high deductibles could cut prices by as much as $300 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and prices 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 More Affordable Lexus HS 250h Insurance

Getting lower rates on car insurance requires having a good driving record, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Shop around once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a summary of the data that was raised in the charts and tables above.

• It is possible to save as much as $110 per year simply by shopping early and online
• Policyholders who require increased levels of liability coverage will pay about $440 annually to increase from a low limit to the 250/500 level
• Drivers age 20 and younger pay higher prices, as much as $320 a month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,130 more each year to buy Lexus HS 250h insurance