Lexus HS 250h Insurance Rates

Average insurance rates for a Lexus HS 250h are $1,024 a year for full coverage. Comprehensive costs an estimated $198, collision insurance costs $288, and liability insurance is $402. A policy with just liability insurance costs around $446 a year, and coverage for high-risk drivers costs around $2,204. Teenage drivers receive the highest rates at up to $3,962 a year.

Average premium for full coverage: $1,024

Rate estimates broken down by individual coverage type:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different HS 250h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how location impacts insurance prices.

These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below shows average Lexus HS 250h insurance rates for other coverage scenarios.

• The best discount rate is $608
• Raising to $1,000 deductibles will save approximately $112 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,024
• Using more expensive low deductibles bumps up the cost to $1,236
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,204
• The cost that insures a teen driver with full coverage can cost as much as $3,962

Insurance rates for a Lexus HS 250h can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,200 to $1,700 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $3,900 a year. View Rates by Age

Where you live also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find rates as low as $680 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,460 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles can reduce rates by up to $330 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

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 Find Cheap Lexus HS 250h Insurance

Saving money on Lexus HS 250h insurance consists of being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare prices every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief summary of the information touched on above.

• Drivers can save approximately $120 per year just by shopping early and online
• Teenage drivers are expensive to insure, costing as high as $330 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $325 each year
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,180 more annually for auto insurance
• Drivers who want higher levels of liability will pay an extra $440 each year to raise from a minimum limit to the 250/500 level