Lexus HS 250h Insurance Rates

The average insurance rates for a Lexus HS 250h are $1,024 a year for full coverage insurance. Comprehensive costs approximately $198 each year, collision costs $288, and liability is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing around $2,204. Teen drivers cost the most to insure at $3,962 a year or more.

Average premium for full coverage: $1,024

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance prices.

The examples above illustrate why all drivers should get quotes using their specific location, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $608
• Choosing higher $1,000 deductibles can save $112 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,024
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,236
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,204 or more
• Policy cost that insures a teen driver can cost $3,962 each year

Insurance rates for a Lexus HS 250h also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 130% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Lexus HS 250h insurance prices. A good driver about age 40 could pay as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,380 on average in Florida, New York, and Michigan.

Choosing high deductibles can save as much as $330 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, and rates will be varied.

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 Cheaper Lexus HS 250h Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having a good credit score, being claim-free, and qualifying for all possible discounts. Shop around at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a condensed summary of the data covered in the charts and tables above.

• Policyholders who purchase more liability protection will pay about $440 annually to raise limits from a 30/60 limit to the 250/500 level
• It is possible to save around $120 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Youthful drivers are the costliest to insure, possibly costing $330 each month if comprehensive and collision insurance is included