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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Estimated insurance rates for a Lexus HS 250h are $986 a year for full coverage insurance. Comprehensive insurance costs around $186, collision insurance costs $262, and liability costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs $2,120 or more. Teens pay the most at up to $3,840 a year.
Average premium for full coverage: $986
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all HS 250h models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Lexus HS 250h range from as low as $446 for basic liability insurance to the much higher price of $2,120 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance rates.
These rate differences illustrate why everyone should compare rates for a specific zip code and risk profile, instead of using averaged prices.
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.
Rate Comparisons
The chart below illustrates average Lexus HS 250h insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $588
- Drivers who choose higher $1,000 deductibles will pay about $102 each year
- The average rate for a 40-year-old good driver using $500 deductibles is $986
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $194 every year
- Higher-risk drivers with serious driving violations could pay at least $2,120
- An auto insurance policy for full coverage for a teen driver for full coverage can be $3,840 a year
Insurance prices for a Lexus HS 250h also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $3,800 a year. View Rates by Age
Where you choose to live makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $300 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at least $1,200 to $1,600 extra annually, depending on your age. Lexus HS 250h insurance for high-risk drivers can cost as much as 42% to 135% more than the average policy. 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 | $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
Finding better rates on car insurance not only requires being a good driver, but also maintaining good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to shop around at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a quick review of the data illustrated above.
- Policyholders who may need an increased level of liability coverage will pay approximately $440 annually to go from 30/60 bodily injury limits to 250/500 limits
- It is possible to save up to $110 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $300 each year
- Drivers age 16 to 20 pay higher prices, with premiums being up to $320 per month for full coverage
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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