Lexus HS 250h Insurance Rates

U.S. average auto insurance rates for a Lexus HS 250h are $986 annually including full coverage. Comprehensive insurance costs an estimated $186 a year, collision insurance costs $262, and liability costs $402. Buying just liability costs as little as $446 a year, and insurance for high-risk drivers costs $2,120 or more. 16-year-old drivers pay the highest rates at up to $3,840 a year.

Average premium for full coverage: $986

Price estimates broken down by individual coverage:

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above highlight why it is important to compare rates for a targeted area and their own personal driving habits, instead of using rate averages.

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

Detailed Rate Analysis

The chart below breaks down average Lexus HS 250h insurance rates for other coverage scenarios.

• The best full coverage rate is $588
• Drivers who choose higher $1,000 deductibles will pay approximately $884 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $986
• Buying low $100 deductibles for comprehensive and collision insurance costs an additional $194 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,120
• The price with full coverage for a teen driver can cost as much as $3,840 a year

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,200 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $300 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,410 on average in Louisiana, New York, and Michigan.

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 Buy Affordable Lexus HS 250h Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and possibly raising deductibles. Take the time to compare rates at every other renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a brief review of the concepts that were covered in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,130 more annually for HS 250h insurance
• Teens are expensive to insure, possibly costing $320 a month if they have full coverage
• You may be able to save approximately $110 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $300 each year
• You may be able to save approximately $110 per year just by quoting early and online