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 insurance rates for a Lexus HS 250h are $1,024 a year for full coverage insurance. Comprehensive costs on average $198, collision insurance costs $288, and liability costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs around $2,204. Teen drivers receive the highest rates at up to $3,962 a year.
Average premium for full coverage: $1,024
Rate estimates by individual coverage type:
Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different HS 250h trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $446 for your basic liability-only policy to a much higher rate of $2,204 for a driver required to buy high-risk insurance.
Price Range by Location
Your location can make a big difference on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on 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.
More Rate Information
The chart below illustrates average Lexus HS 250h insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $608
- Drivers who choose higher $1,000 deductibles will pay around $112 each year
- The average rate for a 40-year-old driver with $500 deductibles is $1,024
- Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,236
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,204
- The cost for full coverage for a 16-year-old driver with full coverage may cost $3,962 a year
Car insurance rates for a Lexus HS 250h can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
An older driver with no driving violations and high deductibles may pay as low as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $3,900 a year. View Rates by Age
Where you live makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,380 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $926 | -$98 | -9.6% |
| Alaska | $784 | -$240 | -23.4% |
| Arizona | $848 | -$176 | -17.2% |
| Arkansas | $1,024 | -$0 | 0.0% |
| California | $1,166 | $142 | 13.9% |
| Colorado | $976 | -$48 | -4.7% |
| Connecticut | $1,052 | $28 | 2.7% |
| Delaware | $1,156 | $132 | 12.9% |
| Florida | $1,278 | $254 | 24.8% |
| Georgia | $948 | -$76 | -7.4% |
| Hawaii | $734 | -$290 | -28.3% |
| Idaho | $692 | -$332 | -32.4% |
| Illinois | $762 | -$262 | -25.6% |
| Indiana | $772 | -$252 | -24.6% |
| Iowa | $690 | -$334 | -32.6% |
| Kansas | $972 | -$52 | -5.1% |
| Kentucky | $1,394 | $370 | 36.1% |
| Louisiana | $1,516 | $492 | 48.0% |
| Maine | $632 | -$392 | -38.3% |
| Maryland | $846 | -$178 | -17.4% |
| Massachusetts | $816 | -$208 | -20.3% |
| Michigan | $1,776 | $752 | 73.4% |
| Minnesota | $856 | -$168 | -16.4% |
| Mississippi | $1,226 | $202 | 19.7% |
| Missouri | $908 | -$116 | -11.3% |
| Montana | $1,100 | $76 | 7.4% |
| Nebraska | $804 | -$220 | -21.5% |
| Nevada | $1,228 | $204 | 19.9% |
| New Hampshire | $738 | -$286 | -27.9% |
| New Jersey | $1,146 | $122 | 11.9% |
| New Mexico | $904 | -$120 | -11.7% |
| New York | $1,076 | $52 | 5.1% |
| North Carolina | $590 | -$434 | -42.4% |
| North Dakota | $840 | -$184 | -18.0% |
| Ohio | $704 | -$320 | -31.3% |
| Oklahoma | $1,050 | $26 | 2.5% |
| Oregon | $938 | -$86 | -8.4% |
| Pennsylvania | $976 | -$48 | -4.7% |
| Rhode Island | $1,364 | $340 | 33.2% |
| South Carolina | $928 | -$96 | -9.4% |
| South Dakota | $864 | -$160 | -15.6% |
| Tennessee | $896 | -$128 | -12.5% |
| Texas | $1,232 | $208 | 20.3% |
| Utah | $756 | -$268 | -26.2% |
| Vermont | $698 | -$326 | -31.8% |
| Virginia | $612 | -$412 | -40.2% |
| Washington | $790 | -$234 | -22.9% |
| West Virginia | $938 | -$86 | -8.4% |
| Wisconsin | $708 | -$316 | -30.9% |
| Wyoming | $910 | -$114 | -11.1% |
Choosing high deductibles could save up to $330 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance can cost from 43% to 130% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus HS 250H 4-Dr Sedan | $1,004 | $84 |
| Lexus HS 250H Premium 4-Dr Sedan | $1,024 | $85 |
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 | $212 | $314 | $406 | $1,068 |
| 2011 Lexus HS 250h | $198 | $288 | $402 | $1,024 |
| 2010 Lexus HS 250h | $186 | $262 | $402 | $986 |
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 Find Affordable Lexus HS 250h Insurance
Saving money on insurance for a Lexus HS 250h not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at every policy renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
The items below are a brief review of the data illustrated above.
- Insureds who require more liability coverage will pay about $440 annually to go from a minimum limit to 250/500 limits
- It is possible to save as much as $120 per year just by shopping early and online
- Increasing deductibles can save around $325 each year
- Teen drivers are expensive to insure, costing up to $330 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,962 |
| 20 | $2,336 |
| 30 | $1,052 |
| 40 | $1,024 |
| 50 | $938 |
| 60 | $920 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,236 |
| $250 | $1,138 |
| $500 | $1,024 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,024 |
| 50/100 | $1,104 |
| 100/300 | $1,205 |
| 250/500 | $1,466 |
| 100 CSL | $1,145 |
| 300 CSL | $1,366 |
| 500 CSL | $1,527 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,616 |
| 20 | $3,722 |
| 30 | $2,236 |
| 40 | $2,204 |
| 50 | $2,102 |
| 60 | $2,082 |
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 | $53 |
| Multi-vehicle | $54 |
| Homeowner | $17 |
| 5-yr Accident Free | $68 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $41 |
| Advance Quote | $47 |
| Online Quote | $71 |
| Total Discounts | $416 |
Discounts are estimated and may not be available from every company or in every state.
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