Lexus HS 250h Insurance Rates

U.S. average auto insurance rates for a Lexus HS 250h are $1,068 annually including full coverage. Comprehensive insurance costs an estimated $212, collision costs $314, and liability coverage is $406. Buying just liability costs around $450 a year, with insurance for high-risk drivers costing $2,302 or more. Teen drivers pay the highest rates at $4,106 a year or more.

Average premium for full coverage: $1,068

Price estimates broken down by individual coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all HS 250h models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates how rural and urban location affects insurance prices.

The ranges above highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using price averages.

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

Additional Charts and Tables

The chart below breaks down estimated Lexus HS 250h insurance rates for other coverage scenarios.

• The lowest rate with discounts is $629
• Raising to $1,000 deductibles will save approximately $118 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,068
• Choosing pricier low deductibles costs an additional $232 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,302 or more
• The price with full coverage for a teenage driver for full coverage can cost as much as $4,106

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

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,300 to $1,800 additional each year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost around 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $350 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $366 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find prices as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,530 on average in Louisiana, New York, and Michigan.

Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and prices may be quite 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 Cheap Lexus HS 250h Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having good credit, being claim-free, and maximizing policy discounts. Set aside time to shop around every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a brief summary of the information raised in the charts and tables above.

• You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers are expensive to insure, possibly costing $342 a month if they have full coverage
• Increasing physical damage deductibles could save up to $350 each year
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,230 more annually than a driver with a clean driving record
• Consumers who want additional liability coverage will pay about $450 per year to raise from a low limit to higher 250/500 limits