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...
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UPDATED: Apr 13, 2024
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U.S. average insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive insurance costs around $186 each year, collision costs $262, and liability insurance is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing $2,120 or more. 16-year-old drivers pay the highest rates at $3,840 a year or more.
Average premium for full coverage: $986
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and HS 250h models.
Price Range from Low to High
For the average 40-year-old driver, Lexus HS 250h insurance prices go from as low as $446 for just liability insurance to a high rate of $2,120 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance rates.
The ranges above illustrate why all drivers should compare rates quotes for a specific zip code and risk profile, rather than relying on 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 Details
The chart below illustrates estimated Lexus HS 250h insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $588
- Raising to $1,000 deductibles will save about $102 each year
- The average rate for the average middle-age driver using $500 deductibles is $986
- Buying low deductibles will cost an extra $194 a year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,120 or more
- The price for full coverage for a teen driver can be $3,840
Insurance prices for a Lexus HS 250h are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $3,800 a year. View Rates by Age
The state you live in also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find prices as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,330 on average in Michigan, New York, 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% |
Opting for high physical damage deductibles can reduce prices by up to $300 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,200 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.
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 Find the Best Cheap Lexus HS 250h Insurance
Getting lower rates on Lexus HS 250h insurance consists of being a good driver, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates every year by quoting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a quick review of the coverage data touched on in this article.
- It is possible to save up to $110 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $300 each year
- Drivers age 16 to 20 pay higher prices, as much as $320 a month for full coverage
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,130 more every year than a safer driver
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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