Lexus HS 250h Insurance Rates

Average auto insurance rates for a Lexus HS 250h are $1,024 annually for full coverage. Comprehensive costs around $198, collision costs $288, and liability costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing around $2,204. Teens receive the highest rates at $3,962 a year or more.

Average premium for full coverage: $1,024

Rate estimates for individual coverage type:

Rates are based on $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have fewer accident claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance rates.

These examples show why everyone should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below shows estimated Lexus HS 250h insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $608
• Using higher $1,000 deductibles will save about $112 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,024
• Selecting pricier low deductibles for physical damage coverage will cost $1,236
• High-risk insureds with serious driving violations could pay at least $2,204 or more
• The cost with full coverage for a 16-year-old driver for full coverage can be $3,962 or more

Insurance rates for a Lexus HS 250h can also vary considerably based on the trim level of your HS 250h, your driver profile, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $3,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,200 to $1,700 extra per year, depending on your age. Lexus HS 250h insurance for high-risk drivers can be from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $330 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see rates as low as $680 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,460 on average in Michigan, Louisiana, and New York.

With so much variability in rates, the only way to know your exact price is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so the rates can be significantly 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 Best Cheap Lexus HS 250h Insurance

Saving money on insurance for a Lexus HS 250h requires not taking risks behind the wheel, having a good credit history, eliminating unneeded coverage, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a quick review of the material that was touched on in the above illustrations.

• Insureds who may need higher liability limits will pay approximately $440 each year to increase from a minimum limit to higher 250/500 limits
• Teens pay higher rates, costing as high as $330 per month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,180 more every year for HS 250h insurance
• Increasing deductibles could save up to $325 each year