Lexus HS 250h Insurance Rates

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UPDATED: Apr 13, 2024

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U.S. average insurance prices for a Lexus HS 250h are $1,024 every 12 months with full coverage. Comprehensive insurance costs an estimated $198, collision insurance costs $288, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, and high-risk driver insurance costs $2,204 or more. Teen drivers pay the highest rates at up to $3,962 a year.

Average premium for full coverage: $1,024

Price estimates broken down by individual coverage:

Comprehensive $198
Collision $288
Liability $402

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all HS 250h models.

Price Range from Low to High

For the average driver, Lexus HS 250h insurance prices range from the cheapest price of $446 for just the minimum liability insurance to the much higher price of $2,204 for high-risk insurance.

Liability Only $446
Full Coverage $1,024
High Risk $2,204

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than larger metro areas. The example below illustrates how location impacts insurance prices.

Rural Areas $768
Small Cities $1,075
Large Cities $1,382

The ranges above demonstrate why everyone should get quotes for a targeted area and their own driving history, 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.

Additional Rate Analysis

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

  • The lowest rate with discounts is $608
  • Choosing higher $1,000 deductibles can save approximately $112 annually
  • The average price for the average middle-age driver who has $500 deductibles is $1,024
  • Choosing pricier low deductibles for comp and collision coverage costs an extra $212 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,204
  • The price to insure a 16-year-old driver for full coverage can cost as much as $3,962 each year

Car insurance prices for a Lexus HS 250h are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Choosing high deductibles can save as much as $330 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,200 to $1,700 extra each year, depending on your age. Lexus HS 250h insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Lexus HS 250h insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,380 on average in New York, Michigan, and Florida.

Lexus HS 250h Insurance Rates by State
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%

Insurance Rates by Trim Level and Model Year

Lexus HS 250h Insurance Rates by Model and Trim Level
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.

Lexus HS 250h Insurance Rates by Model Year
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 Shop for Affordable Lexus HS 250h Insurance

Getting lower rates on insurance for a Lexus HS 250h takes being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the material that was touched on above.

  • Insureds who want more liability coverage will pay about $440 every year to raise limits from a low limit to a 250/500 level
  • Teen drivers have the highest car insurance prices, costing up to $330 a month if the policy includes full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,180 more annually to insure their HS 250h
  • Increasing physical damage deductibles could save as much as $325 each year

Rates by Driver Age

Lexus HS 250h Insurance 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

Lexus HS 250h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,236
$250 $1,138
$500 $1,024
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Lexus HS 250h Insurance Rates with Different Liability Limits
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

Lexus HS 250h Insurance 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.

SR-22 Surcharge $139

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
Rate after discounts $608

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

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