Lexus HS 250h Insurance Rates

Average auto insurance rates for a Lexus HS 250h are $986 annually including full coverage. Comprehensive insurance costs on average $186, collision costs $262, and liability coverage is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage for high-risk drivers costing $2,120 or more. Teenage drivers receive the highest rates at $3,840 a year or more.

Average premium for full coverage: $986

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different HS 250h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

These examples highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $588
• Choosing higher $1,000 deductibles can save around $102 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $986
• Using more expensive low deductibles for comp and collision coverage costs an additional $194 each year
• Drivers who are prone to accidents and violations could pay upwards of $2,120 or more
• The cost with full coverage for a teenage driver with full coverage may cost $3,840 each year

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $900 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,600 additional per year, depending on your age. High-risk driver insurance ranges around 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $300 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,410 on average in Michigan, New York, and Louisiana.

With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates can be significantly different between companies.

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 Low Cost Lexus HS 250h Insurance

Saving money on auto insurance takes avoiding accidents and claims, having good credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates every year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a review of the coverage data touched on in this article.

• You may be able to save as much as $110 per year simply by shopping early and online
• Increasing deductibles could save up to $300 each year
• Drivers under the age of 20 pay higher rates, as much as $320 per month if they have full coverage
• Drivers who have several accidents or serious violations pay on average $1,130 more each year to insure a Lexus HS 250h