Lexus HS 250h Insurance Rates

U.S. average insurance prices for a Lexus HS 250h are $1,024 every 12 months for full coverage. Comprehensive insurance costs on average $198 each year, collision insurance costs $288, and liability insurance costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs $2,204 or more. Teenage drivers pay the highest rates at up to $3,962 a year.

Average premium for full coverage: $1,024

Price estimates by individual coverage:

Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and HS 250h models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above show why all drivers should compare prices based on a specific location and their own driving history, rather than relying on average rates.

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

More Rate Information

The chart below shows average Lexus HS 250h insurance rates for different risk profiles and scenarios.

• The best discount rate is $608
• Using higher $1,000 deductibles will save around $112 a year
• The average price for the average middle-age driver with $500 deductibles is $1,024
• Using low deductibles for physical damage coverage costs an extra $212 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,204
• The price to insure a teen driver may cost $3,962 or more

Auto insurance prices for a Lexus HS 250h are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your HS 250h.

Using high physical damage deductibles could cut prices by as much as $330 each year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,200 to $1,700 in extra premium each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

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

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 Cheaper Lexus HS 250h Insurance

Getting lower rates on Lexus HS 250h insurance requires being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a condensed summary of the concepts that were covered in the above illustrations.

• High-risk drivers with multiple at-fault accidents pay an average of $1,180 more each year for auto insurance
• Teenage drivers are charged the highest prices, with premiums as much as $330 a month if comprehensive and collision insurance is included
• Drivers can save as much as $120 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $325 each year
• Drivers can save as much as $120 per year just by quoting online in advance