Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $986 a year including full coverage. Comprehensive costs on average $186, collision costs $262, and liability coverage is $402. Liability-only insurance costs around $446 a year, with high-risk driver insurance costing around $2,120. Teen drivers cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates by type of insurance:

Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates how location impacts car insurance rates.

The examples above highlight why everyone should compare rates quotes based on a specific location, rather than using price averages.

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

Additional Charts and Tables

The chart below breaks down estimated Lexus HS 250h insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $588
• Raising to $1,000 deductibles will save around $102 every year
• The estimated price for a good driver age 40 with $500 deductibles is $986
• Choosing pricier low deductibles bumps up the cost to $1,180
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,120 or more
• Policy cost that insures a teenage driver for full coverage may cost $3,840

Auto insurance rates for a Lexus HS 250h also range considerably based on the model of your HS 250h, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,200 to $1,600 in extra premium every year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost around 42% to 135% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $3,800 a year. View Rates by Age

Your home state also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find rates as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,410 on average in Michigan, New York, and Louisiana.

Choosing high deductibles can reduce rates by up to $300 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted 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 Find Cheaper Lexus HS 250h Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Shop around at every other renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a condensed summary of the concepts that were touched on above.

• Drivers with multiple at-fault accidents could be forced to pay on average $1,130 more each year to buy Lexus HS 250h insurance
• Drivers age 20 and younger are charged the highest rates, with premiums being up to $320 each month if the policy includes full coverage
• You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date