Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $1,068 a year for full coverage insurance. Comprehensive costs an estimated $212, collision insurance costs $314, and liability coverage is $406. A policy with just liability insurance costs around $450 a year, and coverage for high-risk drivers costs around $2,302. Teen drivers pay the highest rates at up to $4,106 a year.

Average premium for full coverage: $1,068

Price estimates broken down by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all HS 250h models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.

The ranges above illustrate why everyone should compare rates quotes for a targeted area, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $629
• Raising to $1,000 deductibles will save approximately $118 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,068
• Choosing pricier low deductibles bumps up the cost to $1,300
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,302
• The price that insures a teenage driver for full coverage can cost as much as $4,106

Insurance prices for a Lexus HS 250h are also quite variable based on the model of your HS 250h, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,300 to $1,800 extra each year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost around 44% to 135% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,100 a year. View Rates by Age

The state you live in also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find prices as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,440 on average in Florida, New York, and Michigan.

Choosing high deductibles can reduce prices by up to $350 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 more per year. View Rates by Deductible or Liability Limit

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 the Best Lexus HS 250h Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Shop around every year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief recap of the coverage data presented in the illustrations above.

• It is possible to save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $350 each year
• Teen drivers are charged the highest prices, as much as $342 a month if full coverage is included
• Drivers who tend to receive serious violations may have to pay on average $1,230 more annually to insure their HS 250h