Lexus HS 250h Insurance Rates

The average insurance prices for a Lexus HS 250h are $986 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $186, collision costs $262, and liability costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing $2,120 or more. Teenage drivers cost the most to insure at $3,840 a year or more.

Average premium for full coverage: $986

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all HS 250h models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why everyone should compare rates using their specific location and their own driving history, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $588
• Drivers who choose higher $1,000 deductibles will pay $102 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $986
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $194 annually
• Drivers who are prone to accidents and violations could pay around $2,120 or more
• Policy cost to insure a 16-year-old driver for full coverage can cost $3,840 a year

Auto insurance rates for a Lexus HS 250h also range considerably based on liability limits and deductibles, your risk profile, and the model of your HS 250h.

Using high physical damage deductibles could save up to $300 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $3,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,200 to $1,600 in extra premium every year, depending on your age. Lexus HS 250h insurance for high-risk drivers can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,330 on average in Florida, New York, and Michigan.

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, and quoted rates will be varied.

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 Cheap Lexus HS 250h Insurance

Finding cheaper rates on insurance for a Lexus HS 250h not only requires having a decent driving record, but also having a good credit score, being claim-free, and not having any coverage lapses. Make time to compare rates every other policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following items are a brief summary of the ideas that were touched on in this article.

• 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $320 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,130 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $300 each year
• It is possible to save around $110 per year simply by quoting online well ahead of the renewal date