Lexus HS 250h Insurance Rates

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UPDATED: Apr 13, 2024

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Average auto insurance rates for a Lexus HS 250h are $986 annually for full coverage. Comprehensive costs around $186 a year, collision insurance costs $262, and liability insurance costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs around $2,120. Teen drivers receive the highest rates at up to $3,840 a year.

Average premium for full coverage: $986

Rate estimates for individual coverage type:

Comprehensive $186
Collision $262
Liability $402

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and HS 250h trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from as cheap as $446 for minimum levels of liability insurance to a high of $2,120 for a driver required to buy high-risk insurance.

Liability Only $446
Full Coverage $986
High Risk $2,120

Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $740
Small Cities $1,035
Large Cities $1,331

These examples show why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying 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 Details

The chart below shows average Lexus HS 250h insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $588
  • Using higher $1,000 deductibles will save about $884 a year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $986
  • Choosing low $100 deductibles for physical damage coverage will cost $1,180
  • Drivers with multiple violations and an at-fault accident could pay at least $2,120
  • The cost with full coverage for a teen driver can be $3,840 or more

Insurance rates for a Lexus HS 250h can also vary considerably based on the trim level of your HS 250h, your driver profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,200 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $300 each year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lexus HS 250h insurance rates. A driver around age 40 might see rates as low as $650 a year in states like Idaho, Maine, and Iowa, or as much as $1,410 on average in Michigan, Louisiana, and New York.

Lexus HS 250h Insurance Rates by State
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

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

Lexus HS 250h Insurance Rates by Model Year
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 Lexus HS 250h insurance requires avoiding accidents and violations, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to compare rates at every policy renewal by quoting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a brief recap of the data covered in the above illustrations.

  • Drivers who may need higher liability limits will pay about $440 each year to increase from a minimum limit to higher 250/500 limits
  • Drivers can save up to $110 per year just by quoting early and online
  • Increasing deductibles could save up to $300 each year
  • Teenagers are charged the highest rates, costing as high as $320 per month if they have full coverage

Rates by Driver Age

Lexus HS 250h Insurance 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

Lexus HS 250h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,180
$250 $1,092
$500 $986
$1,000 $884

Full coverage, driver age 40

Rates by Liability Limit

Lexus HS 250h Insurance Rates with Different Liability Limits
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

Lexus HS 250h Insurance 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.

SR-22 Surcharge $133

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
Rate after discounts $588

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

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