Lexus HS 250h Insurance Rates

Estimated insurance prices for a Lexus HS 250h are $986 every 12 months including full coverage. Comprehensive insurance costs on average $186 a year, collision costs $262, and liability insurance costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,120 or more. 16-year-old drivers pay the most at $3,840 a year or more.

Average premium for full coverage: $986

Premium estimates by type of coverage:

These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences highlight why it is important to compare rates based on a specific location and their own driving history, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $588
• Drivers who choose higher $1,000 deductibles will pay around $884 every year
• The average price for a 40-year-old good driver with $500 deductibles is $986
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $194 a year
• High risk drivers with multiple tickets or accidents could pay upwards of $2,120 or more
• An auto insurance policy to insure a teen driver may cost $3,840 a year

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

Opting for high physical damage deductibles could save up to $300 each year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,200 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates

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

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so the prices will be substantially different.

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 Cheap Lexus HS 250h Insurance

Finding better rates on Lexus HS 250h insurance not only requires having a good driving record, but also having good credit, refrain from filing small claims, and bundling your home and auto policies. Set aside time to compare rates every other policy renewal by getting price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a brief summary of the ideas that were covered above.

• Drivers age 20 and younger pay the highest prices, with the cost nearing $320 per month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,130 more each year to buy Lexus HS 250h insurance
• Increasing policy deductibles could save as much as $300 each year
• You may be able to save as much as $110 per year simply by quoting early and online