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2012 Lexus HS 250h Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 2, 2020

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Average insurance rates for a 2012 Lexus HS 250h are $1,202 a year for full coverage. Comprehensive insurance costs around $250, collision costs $426, and liability insurance costs around $390. Buying a liability-only policy costs as low as $438 a year, with high-risk insurance costing $2,602 or more. Teenage drivers receive the highest rates at $4,530 a year or more.

Annual premium for full coverage: $1,202

Rate estimates for 2012 Lexus HS 250h Insurance

Comprehensive $250
Collision $426
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2012 Lexus HS 250h models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $438 for a discount liability-only rate to the much higher price of $2,602 for high-risk insurance.

Liability Only $438
Full Coverage $1,202
High Risk $2,602

View Chart as Image

2012 Lexus HS 250h insurance rates compared
Column chart showing 2012 Lexus HS 250h insurance prices range from $695 to $4,530 for full coverage

These differences show why everyone should compare prices for a specific zip code and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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People not familiar with shopping for insurance online will discover shopping for the cheapest auto insurance is more work than they anticipated.

How to Get Insurance Coverage Comparison Quotes

To find the best insurance coverage prices, there are several ways to compare quotes from different insurance companies. The simplest method to find competitive 2012 Lexus HS 250h insurance rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  1. One of the best ways to get quotes is to use a rate comparison form click here to open form in new window. This method keeps you from doing separate quotation requests for each company you want a rate for. A single, simple form gets you coverage quotes from all major companies. It’s definitely the quickest method.
  2. A more time consuming way to compare prices is spending the time to visit each company website to complete their respective quote request forms. For example, let’s assume you want comparison quotes from Progressive, State Farm and GEICO. To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker. To view a list of companies in your area, click here.

Whichever way you use, ensure you’re using apples-to-apples information on every quote you get. If each company quotes different limits and deductibles on each one it’s not possible to make an equal comparison. Slightly different coverage limits can make a big difference in price. Keep in mind that comparing more company’s prices provides better odds of finding the best price.

More discounts equal less premium

Insuring your fleet can be pricey, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be applied at the time of purchase, but some must be requested specifically prior to receiving the credit.

  • Discount for Swiching Early – Select companies give a discount for signing up before your current policy expires. The savings is around 10%.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Government Employees – Active or retired federal employment may qualify you for a discount for HS 250h insurance with certain companies.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for HS 250h insurance.
  • Safe Drivers – Insureds without accidents may save up to 50% more for HS 250h insurance than less cautious drivers.
  • Clubs and Organizations – Participating in a professional or civic organization could qualify you for a break on car insurance for HS 250h insurance.
  • Resident Student – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Multi-car Discount – Having more than one vehicle with the same company could earn a price break for each car.

Consumers should know that most discount credits are not given the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will cut the amount you have to pay.

Insurance companies that possibly offer these benefits include:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts may not be available everywhere.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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It’s not one size fits all

When buying proper insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my 2012 Lexus HS 250h qualify for pleasure use?
  • Will my rates increase for filing one claim?
  • Is upholstery damage covered by car insurance?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverages for a 2012 Lexus HS 250h

Knowing the specifics of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive coverage – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, damage from a tornado or hurricane and hitting a bird. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Lexus HS 250h.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, prosthetic devices and dental work. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability insurance provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like pain and suffering, emergency aid, bail bonds and structural damage. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Collision coverage – This coverage pays for damage to your HS 250h resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Lexus HS 250h Insurance Rates by City
City Premium
New York City, NY $1,899
Los Angeles, CA $2,058
Philadelphia, PA $1,604
Jacksonville, FL $1,742
Phoenix, AZ $1,397
Chicago, IL $1,613
Houston, TX $1,885
Seattle, WA $1,172
Columbus, OH $1,004
Indianapolis, IN $1,026

Need a specific model?

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Rates by Driver Age

2012 Lexus HS 250h Insurance Rates by Driver Age
Driver Age Premium
16 $4,530
20 $2,768
30 $1,252
40 $1,202
50 $1,102
60 $1,080

Full coverage, $500 deductibles

Rates by Deductible

2012 Lexus HS 250h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,502
$250 $1,362
$500 $1,202
$1,000 $1,048

Full coverage, driver age 40

Rates by Liability Limit

Lexus HS 250h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,202
50/100 $1,280
100/300 $1,378
250/500 $1,631
100 CSL $1,319
300 CSL $1,534
500 CSL $1,690

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Lexus HS 250h Insurance Rates for High Risk Drivers
Age Premium
16 $6,458
20 $4,408
30 $2,656
40 $2,602
50 $2,482
60 $2,458

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $64
Homeowner $18
5-yr Accident Free $86
5-yr Claim Free $78
Paid in Full/EFT $53
Advance Quote $59
Online Quote $85
Total Discounts $507
Rate after discounts $695

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2012 Lexus HS 250h Insurance Rates by State
State Premium
Alabama $1,088
Alaska $922
Arizona $998
Arkansas $1,202
California $1,372
Colorado $1,150
Connecticut $1,236
Delaware $1,360
Florida $1,502
Georgia $1,114
Hawaii $864
Idaho $814
Illinois $896
Indiana $908
Iowa $812
Kansas $1,142
Kentucky $1,642
Louisiana $1,782
Maine $742
Maryland $994
Massachusetts $958
Michigan $2,088
Minnesota $1,008
Mississippi $1,440
Missouri $1,068
Montana $1,292
Nebraska $948
Nevada $1,442
New Hampshire $868
New Jersey $1,344
New Mexico $1,064
New York $1,266
North Carolina $694
North Dakota $986
Ohio $830
Oklahoma $1,236
Oregon $1,102
Pennsylvania $1,146
Rhode Island $1,604
South Carolina $1,092
South Dakota $1,016
Tennessee $1,054
Texas $1,450
Utah $892
Vermont $824
Virginia $720
Washington $930
West Virginia $1,102
Wisconsin $832
Wyoming $1,072

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