Lexus HS 250h Insurance Rates

The average auto insurance rates for a Lexus HS 250h are $1,024 annually for full coverage. Comprehensive insurance costs approximately $198, collision costs $288, and liability costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing $2,204 or more. Teen drivers cost the most to insure at $3,962 a year or more.

Average premium for full coverage: $1,024

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas.

The example below illustrates how location helps determine auto insurance prices.

The examples above show why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

The chart below shows estimated Lexus HS 250h insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $608
• Using higher $1,000 deductibles will save $112 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,024
• Choosing pricier low deductibles for physical damage coverage costs an additional $212 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,204 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost $3,962 or more

Insurance rates for a Lexus HS 250h also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,200 to $1,700 additional every year, depending on your age. Lexus HS 250h insurance for high-risk drivers can be from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $330 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see rates as low as $680 a year in states like Iowa, Maine, and Idaho, or as much as $1,460 on average in New York, Louisiana, and Michigan.

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied 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 Affordable Lexus HS 250h Insurance

Finding cheaper rates on insurance for a Lexus HS 250h requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a brief review of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,180 more per year for auto insurance
• Teenage drivers are the costliest to insure, costing up to $330 each month if they have full coverage
• Drivers can save around $120 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers can save around $120 per year simply by quoting online well ahead of the renewal date