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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Estimated insurance rates for a Lexus HS 250h are $1,024 a year for full coverage. Comprehensive costs on average $198, collision insurance costs $288, and liability is estimated at $402. Liability-only coverage costs approximately $446 a year, and high-risk coverage costs around $2,204. 16-year-old drivers pay the most at up to $3,962 a year.
Average premium for full coverage: $1,024
Premium estimates by type of coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all HS 250h models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Lexus HS 250h range from the low end price of $446 for your basic liability-only policy to the much higher price of $2,204 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities. The example below illustrates the difference location can make on car insurance rates.
These rate differences show why everyone should get quotes based on a specific location, instead of making a decision based 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 Information
The chart below shows average Lexus HS 250h insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $608
- Choosing higher $1,000 deductibles can save around $112 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,024
- Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,236
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,204
- An auto insurance policy that insures a 16-year-old driver for full coverage may cost $3,962 each year
Insurance prices for a Lexus HS 250h also have a wide range based on the model of your HS 250h, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,200 to $1,700 extra annually, depending on your age. Lexus HS 250h insurance for high-risk drivers ranges from 43% to 130% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $3,900 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Lexus HS 250h insurance prices. A good driver about age 40 could pay as low as $680 a year in states like Idaho, Maine, and Iowa, or at least $1,460 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can save as much as $330 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Right Lexus HS 250h Insurance
Finding better rates on insurance for a Lexus HS 250h takes having a decent driving record, having above-average credit, not filing small claims, and determing if full coverage is necessary. Comparison shop at every other renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.
The following items are a quick rundown of the concepts that were touched on in this article.
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,180 more each year than a driver with a clean driving record
- 16 to 18-year-old drivers pay the highest prices, as much as $330 per month if full coverage is included
- Drivers can save as much as $120 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $325 each year
- Drivers can save as much as $120 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,236 |
| $250 | $1,138 |
| $500 | $1,024 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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