Lexus HS 250h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 13, 2024
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Average auto insurance rates for a Lexus HS 250h are $986 annually with full coverage. Comprehensive insurance costs an estimated $186, collision insurance costs $262, and liability costs around $402. Buying just liability costs as low as $446 a year, and insurance for high-risk drivers costs $2,120 or more. Teen drivers receive the highest rates at up to $3,840 a year.
Average premium for full coverage: $986
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all HS 250h models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $446 for basic liability insurance to the much higher price of $2,120 for a high-risk driver policy.
Price Range by Location
Where you live can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.
These examples demonstrate why everyone should compare prices for a targeted area and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below details average Lexus HS 250h insurance rates for other coverage scenarios.
- The lowest rate with discounts is $588
- Using higher $1,000 deductibles will save approximately $102 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $986
- Choosing pricier low deductibles for physical damage coverage costs an additional $194 every year
- Drivers with multiple violations and an at-fault accident could pay up to $2,120
- The cost with full coverage for a teen driver for full coverage can cost as much as $3,840 or more
Auto insurance rates for a Lexus HS 250h can also vary considerably based on the trim level of your HS 250h, your driving record, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $3,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,200 to $1,600 in extra premium per year, depending on your age. Lexus HS 250h insurance for high-risk drivers can be as much as 42% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $300 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,330 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $890 | -$96 | -9.7% |
| Alaska | $756 | -$230 | -23.3% |
| Arizona | $816 | -$170 | -17.2% |
| Arkansas | $986 | -$0 | 0.0% |
| California | $1,122 | $136 | 13.8% |
| Colorado | $940 | -$46 | -4.7% |
| Connecticut | $1,012 | $26 | 2.6% |
| Delaware | $1,114 | $128 | 13.0% |
| Florida | $1,230 | $244 | 24.7% |
| Georgia | $912 | -$74 | -7.5% |
| Hawaii | $708 | -$278 | -28.2% |
| Idaho | $666 | -$320 | -32.5% |
| Illinois | $734 | -$252 | -25.6% |
| Indiana | $742 | -$244 | -24.7% |
| Iowa | $664 | -$322 | -32.7% |
| Kansas | $936 | -$50 | -5.1% |
| Kentucky | $1,342 | $356 | 36.1% |
| Louisiana | $1,458 | $472 | 47.9% |
| Maine | $610 | -$376 | -38.1% |
| Maryland | $814 | -$172 | -17.4% |
| Massachusetts | $786 | -$200 | -20.3% |
| Michigan | $1,710 | $724 | 73.4% |
| Minnesota | $824 | -$162 | -16.4% |
| Mississippi | $1,180 | $194 | 19.7% |
| Missouri | $874 | -$112 | -11.4% |
| Montana | $1,056 | $70 | 7.1% |
| Nebraska | $776 | -$210 | -21.3% |
| Nevada | $1,182 | $196 | 19.9% |
| New Hampshire | $710 | -$276 | -28.0% |
| New Jersey | $1,102 | $116 | 11.8% |
| New Mexico | $872 | -$114 | -11.6% |
| New York | $1,036 | $50 | 5.1% |
| North Carolina | $568 | -$418 | -42.4% |
| North Dakota | $808 | -$178 | -18.1% |
| Ohio | $678 | -$308 | -31.2% |
| Oklahoma | $1,010 | $24 | 2.4% |
| Oregon | $904 | -$82 | -8.3% |
| Pennsylvania | $940 | -$46 | -4.7% |
| Rhode Island | $1,314 | $328 | 33.3% |
| South Carolina | $894 | -$92 | -9.3% |
| South Dakota | $832 | -$154 | -15.6% |
| Tennessee | $862 | -$124 | -12.6% |
| Texas | $1,186 | $200 | 20.3% |
| Utah | $730 | -$256 | -26.0% |
| Vermont | $672 | -$314 | -31.8% |
| Virginia | $590 | -$396 | -40.2% |
| Washington | $760 | -$226 | -22.9% |
| West Virginia | $904 | -$82 | -8.3% |
| Wisconsin | $680 | -$306 | -31.0% |
| Wyoming | $876 | -$110 | -11.2% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus HS 250H 4-Dr Sedan | $968 | $81 |
| Lexus HS 250H Premium 4-Dr Sedan | $986 | $82 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Lexus HS 250h | $198 | $288 | $402 | $1,024 |
| 2011 Lexus HS 250h | $186 | $262 | $402 | $986 |
| 2010 Lexus HS 250h | $180 | $234 | $398 | $948 |
Rates are averaged for all Lexus HS 250h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Lexus HS 250h Insurance
Saving money on car insurance requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a brief recap of the information presented in the illustrations above.
- You may be able to save approximately $110 per year just by quoting online well ahead of the renewal date
- Teenagers are the costliest to insure, with premiums as much as $320 per month if full coverage is included
- Increasing deductibles could save up to $300 each year
- Higher risk drivers who tend to receive serious violations pay on average $1,130 more annually for car insurance
- Policyholders who want higher liability limits will pay about $440 every year to increase from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,840 |
| 20 | $2,246 |
| 30 | $1,012 |
| 40 | $986 |
| 50 | $904 |
| 60 | $886 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,180 |
| $250 | $1,092 |
| $500 | $986 |
| $1,000 | $884 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $986 |
| 50/100 | $1,066 |
| 100/300 | $1,167 |
| 250/500 | $1,428 |
| 100 CSL | $1,107 |
| 300 CSL | $1,328 |
| 500 CSL | $1,489 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,436 |
| 20 | $3,578 |
| 30 | $2,148 |
| 40 | $2,120 |
| 50 | $2,022 |
| 60 | $2,002 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $39 |
| Advance Quote | $45 |
| Online Quote | $68 |
| Total Discounts | $398 |
Discounts are estimated and may not be available from every company or in every state.
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