Lexus HS 250h Insurance Rates

The average insurance prices for a Lexus HS 250h are $1,068 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $212 a year, collision costs $314, and liability is estimated at $406. Liability-only coverage costs approximately $450 a year, with high-risk coverage costing $2,302 or more. Teenage drivers cost the most to insure at $4,106 a year or more.

Average premium for full coverage: $1,068

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and HS 250h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

The examples above illustrate why it is important to get quotes for a targeted area and their own driving history, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $629
• Choosing higher $1,000 deductibles can save approximately $950 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,068
• Using low $100 deductibles for comp and collision coverage costs an extra $232 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,302 or more
• Policy cost to insure a teen driver can cost as much as $4,106 each year

Insurance rates for a Lexus HS 250h also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $350 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $366 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,300 to $1,800 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Lexus HS 250h insurance prices. A good driver about age 40 could pay as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,440 on average in Florida, New York, and Michigan.

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates will be varied.

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 Cheap Lexus HS 250h Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having above-average credit, being claim-free, and maximizing policy discounts. Spend time shopping around every time your policy renews by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief summary of the information touched on above.

• It is possible to save approximately $130 per year simply by quoting early and online
• 16 to 18-year-old drivers are expensive to insure, possibly costing $342 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,230 more annually than a driver with a clean driving record
• Policyholders who want additional liability coverage will pay an extra $450 annually to raise limits from a 30/60 limit to a 250/500 level