Lexus HS 250h Insurance Rates

Average auto insurance rates for a Lexus HS 250h are $986 annually including full coverage. Comprehensive costs approximately $186, collision costs $262, and liability costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing around $2,120. 16-year-old drivers receive the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Rate estimates by individual coverage type:

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than congested cities.

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

These examples highlight why everyone should compare rates using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

More Rate Details

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

• The best full coverage rate is $588
• Drivers who choose higher $1,000 deductibles will pay $102 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $986
• Buying pricier low deductibles for comprehensive and collision insurance will cost $1,180
• Drivers with multiple tickets or accidents could pay around $2,120 or more
• The cost with full coverage for a 16-year-old driver for full coverage can cost $3,840 a year

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

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $900 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,200 to $1,600 in extra premium per year, depending on your age. Lexus HS 250h insurance for high-risk drivers can cost from 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $300 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,410 on average in Louisiana, New York, and Michigan.

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, and quoted rates can be significantly different between companies.

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 Buy the Right Lexus HS 250h Insurance

Saving money on insurance for a Lexus HS 250h not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The items below are a quick rundown of the ideas that were covered in the above illustrations.

• Teen drivers have the highest car insurance rates, as much as $320 per month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,130 more per year to insure their HS 250h
• Increasing deductibles could save up to $300 each year
• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date