Lexus HS 250h Insurance Rates

Estimated insurance prices for a Lexus HS 250h are $1,024 every 12 months for full coverage insurance. Comprehensive insurance costs around $198 a year, collision costs $288, and liability coverage costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing $2,204 or more. Teens pay the most at $3,962 a year or more.

Average premium for full coverage: $1,024

Premium estimates for type of coverage:

Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and HS 250h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance rates.

These rate differences illustrate why it is important to compare prices for a specific zip code and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $608
• Using higher $1,000 deductibles will save about $912 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,024
• Selecting low $100 deductibles for physical damage coverage costs an extra $212 each year
• Higher-risk drivers with serious driving violations could pay at least $2,204 or more
• An auto insurance policy to insure a teenage driver can be $3,962 or more

Insurance prices for a Lexus HS 250h also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $330 a year, while buying higher liability limits will increase prices. Switching 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 may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $3,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see prices as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,380 on average in Michigan, New York, and Florida.

With such a large range in prices, the only way to figure out your exact price is to get quotes and see how they stack up. Each insurance company calculates prices differently, 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 the Right Lexus HS 250h Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a quick rundown of the information presented in the illustrations above.

• It is possible to save up to $120 per year simply by quoting early and online
• Teenage drivers pay higher prices, with premiums being up to $330 per month if they have full coverage
• Increasing policy deductibles could save as much as $325 each year
• Drivers with reckless driving or DUI convictions may pay on average $1,180 more every year for auto insurance
• Consumers who may need higher levels of liability will pay approximately $440 annually to increase from 30/60 bodily injury limits to a 250/500 level