Lexus HS 250h Insurance Rates

U.S. average insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive costs around $186, collision insurance costs $262, and liability insurance is estimated at $402. Buying just liability costs approximately $446 a year, and insurance for high-risk drivers costs around $2,120. Teen drivers pay the highest rates at up to $3,840 a year.

Average premium for full coverage: $986

Price estimates for individual coverage:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different HS 250h trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on price averages.

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

Additional Rate Information

The chart below illustrates average Lexus HS 250h insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $588
• Choosing higher $1,000 deductibles can save about $102 each year
• The average rate for the average middle-age driver using $500 deductibles is $986
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,180
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,120
• The price for full coverage for a teen driver with full coverage can be $3,840 each year

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

An older driver with no violations or accidents and high deductibles could pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,330 on average in Michigan, New York, and Florida.

Choosing high deductibles can save as much as $300 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,200 to $1,600 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 135% more than average. View High Risk Driver Rates

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

Getting lower rates on Lexus HS 250h insurance takes being a low-risk driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates every couple of years by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a brief review of the material that was covered in the charts and tables above.

• Drivers who may need more liability coverage will pay about $440 annually to raise limits from a low limit to 250/500 limits
• Teen drivers are charged the highest prices, as much as $320 a month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,130 more every year to insure their HS 250h
• Increasing physical damage deductibles can save around $300 each year