Lexus HS 250h Insurance Rates

Estimated insurance rates for a Lexus HS 250h are $1,024 a year with full coverage. Comprehensive insurance costs approximately $198 a year, collision insurance costs $288, and liability is $402. A policy with only liability insurance costs around $446 a year, and a high-risk policy costs $2,204 or more. Teenage drivers pay the most at up to $3,962 a year.

Average premium for full coverage: $1,024

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences demonstrate why it is important to compare rates quotes using their specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below details average Lexus HS 250h insurance rates for additional coverage and risk scenarios.

• The best discount rate is $608
• Raising to $1,000 deductibles will save $912 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,024
• Using low $100 deductibles will cost an additional $212 annually
• Drivers who are prone to accidents and violations could pay around $2,204
• An auto insurance policy that insures a 16-year-old driver can cost $3,962

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

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $3,900 a year. View Rates by Age

Where you choose to live also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find prices as low as $740 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,380 on average in New York, Michigan, and Florida.

Using high physical damage deductibles can reduce prices by up to $330 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

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 the Best Lexus HS 250h Insurance

Finding better rates on insurance for a Lexus HS 250h consists of avoiding accidents and claims, having a positive credit history, being claim-free, and attention to physical damage deductibles. Compare prices at least once a year by requesting quotes from direct companies, and also from local insurance agencies.

The points below are a brief recap of the primary concepts that were covered above.

• You may be able to save around $120 per year just by quoting early and online
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,180 more per year to insure a Lexus HS 250h
• Increasing policy deductibles can save approximately $325 each year
• Drivers under the age of 20 pay the highest auto insurance prices, possibly costing $330 per month if full coverage is purchased