Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $1,068 a year including full coverage. Comprehensive costs an estimated $212, collision costs $314, and liability is $406. Liability-only coverage costs around $450 a year, with high-risk coverage costing around $2,302. Teen drivers pay the highest rates at $4,106 a year or more.

Average premium for full coverage: $1,068

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all HS 250h models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates how where you live affects insurance prices.

The ranges above highlight why everyone should compare rates quotes for a targeted area, instead of making a decision based on 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 other coverage scenarios.

• The lowest rate with discounts is $629
• Raising to $1,000 deductibles will save approximately $118 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,068
• Choosing pricier low deductibles bumps up the cost to $1,300
• Drivers with multiple violations and an at-fault accident could pay up to $2,302 or more
• The price that insures a 16-year-old driver for full coverage can cost as much as $4,106

Auto insurance prices for a Lexus HS 250h are also quite variable based on the model of your HS 250h, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,300 to $1,800 in extra premium each year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost from 44% 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 pay as low as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $4,100 a year. View Rates by Age

The state you live in also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find prices as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,530 on average in Louisiana, New York, and Michigan.

Choosing high deductibles can reduce prices by up to $350 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices may be quite 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 Find Low Cost Lexus HS 250h Insurance

Getting lower rates on insurance for a Lexus HS 250h consists of being a good driver, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Shop around once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a review of the data that was touched on in the above illustrations.

• You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Insureds who want an increased level of liability coverage will pay about $450 per year to raise from a low limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, possibly costing $342 a month if the policy includes full coverage
• Drivers considered higher risk who have several accidents or serious violations could be charged and average of $1,230 more annually than a safer driver