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 for full coverage. Comprehensive costs approximately $186, collision insurance costs $262, and liability costs around $402. A liability-only policy costs as low as $446 a year, and high-risk insurance costs around $2,120. 16-year-old drivers receive the highest rates at up to $3,840 a year.
Average premium for full coverage: $986
Rate estimates by individual coverage type:
Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different HS 250h trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as cheap as $446 for your basic liability-only policy to a much higher rate of $2,120 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural locations tend to have fewer accident claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.
These examples show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using rate 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 shows average Lexus HS 250h insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $588
- Using higher $1,000 deductibles will save $102 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $986
- Buying more expensive low deductibles for physical damage coverage will cost $1,180
- Drivers with multiple tickets or accidents could pay around $2,120
- The cost with full coverage for a teen driver with full coverage can cost $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 physical damage deductibles and liability limits.
An older driver with a clean 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 can expect to pay in the ballpark of $3,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,200 to $1,600 extra per year, depending on your age. High-risk driver insurance can be as much as 42% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $300 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more per 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 $650 a year in states like Iowa, Maine, and Idaho, or at least $1,410 on average in New York, Louisiana, and Michigan.
| 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 More Affordable Lexus HS 250h Insurance
Saving money on car insurance requires being a low-risk driver, having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Take the time to comparison shop once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The items below are a summary of the data that was touched on in the above illustrations.
- Drivers can save around $110 per year just by shopping early and online
- Policyholders who purchase more liability coverage will pay around $440 each year to increase from a minimum limit to higher 250/500 limits
- Teen drivers are expensive to insure, costing as high as $320 per month including comprehensive and collision insurance
- Higher risk drivers who have multiple accidents or major violations pay on average $1,130 more per year to insure their HS 250h
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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