Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $1,024 a year including full coverage. Comprehensive costs approximately $198, collision insurance costs $288, and liability coverage costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs around $2,204. 16-year-old drivers pay the highest rates at up to $3,962 a year.

Average premium for full coverage: $1,024

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all HS 250h models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how rural and urban location affects auto insurance prices.

The ranges above highlight why everyone should compare prices using their specific location, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $608
• Using higher $1,000 deductibles will save $112 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,024
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,236
• Higher-risk drivers with multiple tickets or accidents could pay around $2,204
• The price that insures a teenage driver for full coverage can cost $3,962 or more

Auto insurance prices for a Lexus HS 250h are also quite variable based on the model of your HS 250h, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,200 to $1,700 in extra premium each year, depending on your age. Lexus HS 250h insurance for high-risk drivers can be around 43% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,000 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,900 a year. View Rates by Age

The state you live in has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,460 on average in Louisiana, New York, and Michigan.

Opting for high physical damage deductibles could cut prices by as much as $330 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by 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 Cheapest Lexus HS 250h Insurance

Getting lower rates on auto insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and possibly higher deductibles. Comparison shop at least every other year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

Below you'll find a recap of the car insurance concepts raised in the charts and tables above.

• Drivers that have major violations or accidents will likely pay on average $1,180 more per year than a low-risk driver
• You may be able to save around $120 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $325 each year
• Consumers who purchase more liability protection will pay around $440 per year to increase from a low limit to the 250/500 level