Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year for full coverage. Comprehensive costs an estimated $186 each year, collision costs $262, and liability coverage is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage for high-risk drivers costing around $2,120. Teen drivers pay the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Price estimates broken down by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas.

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

The ranges above show why all drivers should get quotes for a targeted area, rather than using price averages.

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 other coverage scenarios.

• The lowest rate with discounts is $588
• Choosing higher $1,000 deductibles can save approximately $102 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $986
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,180
• Drivers with multiple violations and an at-fault accident could pay up to $2,120 or more
• The price that insures a teenage driver can cost as much as $3,840 each year

Insurance prices for a Lexus HS 250h are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,200 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers ranges around 42% to 135% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $3,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $650 a year in states like Iowa, Maine, and Idaho, or as much as $1,410 on average in New York, Louisiana, and Michigan.

Choosing high deductibles can save as much as $300 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different rate calculation, so the 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 Cheap Lexus HS 250h Insurance

Getting lower rates on auto insurance takes avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Shop around at every policy renewal by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The points below are a brief summary of the data touched on in the above illustrations.

• Consumers who want increased liability limits will pay about $440 each year to raise limits from a low limit to the 250/500 level
• Drivers can save approximately $110 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $300 each year
• Drivers under the age of 20 are charged the highest prices, with premiums as much as $320 a month if full coverage is included