Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $1,024 a year including full coverage. Comprehensive insurance costs approximately $198, collision costs $288, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,204 or more. Teenage drivers cost the most to insure at $3,962 a year or more.

Average premium for full coverage: $1,024

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine auto insurance prices.

The examples above highlight why everyone should compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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 discount rate is $608
• Drivers who choose higher $1,000 deductibles will pay $112 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,024
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $212 annually
• Drivers who are prone to accidents and violations could pay around $2,204 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost $3,962 a year

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

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,460 on average in Louisiana, New York, and Michigan.

Using high physical damage deductibles could save up to $330 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,700 additional every year, depending on your age. Lexus HS 250h insurance for high-risk drivers can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

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

Finding cheaper rates on insurance for a Lexus HS 250h not only requires being a safe and courteous driver, but also having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a recap of the ideas that were covered in the charts and tables above.

• Teenage drivers are the costliest to insure, with premiums being up to $330 each month including comprehensive and collision insurance
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,180 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save around $325 each year
• You may be able to save around $120 per year simply by quoting online well ahead of the renewal date