Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $1,024 annually for full coverage. Comprehensive costs around $198, collision costs $288, and liability is estimated at $402. A policy with only liability insurance costs approximately $446 a year, with a high-risk policy 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 for type of coverage:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than congested cities.

The example below illustrates how location impacts auto insurance rates.

These rate differences show why everyone should get quotes for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Rate Comparisons

The chart below shows estimated Lexus HS 250h insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $608
• Choosing higher $1,000 deductibles can save about $112 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,024
• Buying pricier low deductibles for comp and collision coverage will cost $1,236
• Unlucky drivers with multiple tickets or accidents could pay at least $2,204 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can be $3,962 each year

Car insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your driver profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $3,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,200 to $1,700 extra annually, depending on your age. Lexus HS 250h insurance for high-risk drivers ranges as much as 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $330 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Lexus HS 250h insurance prices. A good driver about age 40 could pay as low as $680 a year in states like Idaho, Maine, and Iowa, or at least $1,460 on average in Michigan, Louisiana, and New York.

With such a large range in prices, the only way to know your exact price is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially 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 Cheaper Lexus HS 250h Insurance

Finding better rates on car insurance takes having a good driving record, having a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

The next list is a condensed summary of the data touched on above.

• Policyholders who may need increased levels of liability coverage will pay around $440 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save up to $120 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $325 each year
• Drivers age 20 and younger are the costliest to insure, as much as $330 per month if comprehensive and collision insurance is included