Lexus HS 250h Insurance Rates

Estimated insurance prices for a Lexus HS 250h are $1,024 every 12 months including full coverage. Comprehensive insurance costs an estimated $198 a year, collision costs $288, and liability insurance is estimated at $402. A policy with only liability insurance costs approximately $446 a year, with a high-risk policy costing $2,204 or more. Teenage drivers pay the most at $3,962 a year or more.

Average premium for full coverage: $1,024

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

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

These rate differences highlight why it is important to get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $608
• Choosing higher $1,000 deductibles can save approximately $912 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,024
• Using low $100 deductibles for comp and collision coverage costs an extra $212 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,204 or more
• An auto insurance policy to insure a teen driver can cost as much as $3,962 each year

Car insurance prices for a Lexus HS 250h also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can save as much as $330 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $3,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 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.

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially 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 Shop for Low Cost Lexus HS 250h Insurance

Finding better rates on Lexus HS 250h insurance takes being a safe and courteous driver, maintaining a good credit score, refrain from filing small claims, and not having any coverage lapses. Take the time to comparison shop at least once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below is a review of the primary concepts that were touched on in the above illustrations.

• You may be able to save approximately $120 per year simply by quoting early and online
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,180 more annually for auto insurance
• Increasing policy deductibles could save as much as $325 each year
• Teenage drivers have the highest car insurance prices, with the cost nearing $330 per month if the policy includes full coverage