Lexus HS 250h Insurance Rates

Estimated auto insurance rates for a Lexus HS 250h are $1,068 annually for full coverage insurance. Comprehensive costs an estimated $212 each year, collision costs $314, and liability costs around $406. Liability-only insurance costs as low as $450 a year, with high-risk driver insurance costing around $2,302. Teenage drivers pay the most at $4,106 a year or more.

Average premium for full coverage: $1,068

Premium estimates broken down by type of coverage:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and HS 250h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

These rate differences illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $629
• Using higher $1,000 deductibles will save approximately $118 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,068
• Using low deductibles for physical damage coverage will cost $1,300
• Drivers who are prone to accidents and violations could pay up to $2,302 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $4,106 or more

Insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, your risk profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,300 to $1,800 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $350 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $366 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see prices 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.

With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, and prices will be substantially different between companies.

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 Buy the Right Lexus HS 250h Insurance

Finding better rates on car insurance requires being a low-risk driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every couple of years by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a quick rundown of the material that was presented in the illustrations above.

• Policyholders who want more liability coverage will pay an extra $450 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
• Teen drivers are expensive to insure, with premiums being up to $342 per month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,230 more annually to insure their HS 250h
• Increasing policy deductibles could save up to $350 each year