Lexus HS 250h Insurance Rates

Average insurance rates for a Lexus HS 250h are $1,024 a year for full coverage. Comprehensive insurance costs on average $198, collision costs $288, and liability is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage for high-risk drivers costing $2,204 or more. 16-year-old drivers receive the highest rates at $3,962 a year or more.

Average premium for full coverage: $1,024

Rate estimates by individual coverage type:

Prices are based on $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all HS 250h models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities.

The example below illustrates how rural and urban location affects car insurance rates.

These examples show why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $608
• Choosing higher $1,000 deductibles can save around $112 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,024
• Buying pricier low deductibles for comp and collision coverage will cost an extra $212 annually
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,204 or more
• The cost for full coverage for a 16-year-old driver for full coverage may cost $3,962 each year

Insurance rates for a Lexus HS 250h can also vary considerably based on your driver profile, the trim level of your HS 250h, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,000 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $3,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus HS 250h insurance prices. A good driver about age 40 could pay as low as $680 a year in states like Idaho, Maine, and Iowa, or at least $1,460 on average in Michigan, Louisiana, and New York.

Opting for high physical damage deductibles can save as much as $330 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,200 to $1,700 additional per year, depending on your age. Lexus HS 250h insurance for high-risk drivers ranges from 43% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and rates can be significantly different from one company to the next.

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 Affordable Lexus HS 250h Insurance

Saving money on insurance for a Lexus HS 250h takes being a safe and courteous driver, having a good credit history, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by getting quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Below is a brief review of the material that was raised in the charts and tables above.

• Insureds who require higher levels of liability will pay around $440 each year to raise limits from a minimum limit to 250/500 limits
• Teenage drivers pay higher rates, costing as high as $330 per month including comprehensive and collision insurance
• Drivers considered higher risk with DUI or reckless driving convictions will pay on average $1,180 more each year for auto insurance
• Increasing deductibles can save around $325 each year