Lexus HS 250h Insurance Rates

Average insurance prices for a Lexus HS 250h are $1,024 every 12 months with full coverage. Comprehensive insurance costs an estimated $198 each year, collision costs $288, and liability insurance is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage for high-risk drivers costing $2,204 or more. Teen drivers receive the highest rates at $3,962 a year or more.

Average premium for full coverage: $1,024

Rate estimates broken down by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than larger metro areas.

The graphic below illustrates how location helps determine insurance prices.

These examples demonstrate why all drivers should get quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below details estimated Lexus HS 250h insurance rates for other coverage scenarios.

• The lowest rate with discounts is $608
• Choosing higher $1,000 deductibles can save approximately $112 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,024
• Choosing low deductibles for comp and collision coverage costs an extra $212 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,204 or more
• The cost to insure a teen driver can cost as much as $3,962 each year

Insurance rates for a Lexus HS 250h can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Choosing high deductibles can save as much as $330 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,000 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,200 to $1,700 additional per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 130% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,380 on average in New York, Michigan, and Florida.

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and rates can be significantly 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 Shop for More Affordable Lexus HS 250h Insurance

Saving money on Lexus HS 250h insurance takes avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a summary of the data covered in the charts and tables above.

• Drivers who want increased liability limits will pay about $440 every year to raise limits from a minimum limit to a 250/500 level
• You may be able to save approximately $120 per year simply by quoting online in advance
• Increasing deductibles could save as much as $325 each year
• Drivers under the age of 20 are expensive to insure, with premiums as much as $330 per month if full coverage is included