Lexus HS 250h Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 13, 2024
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Average insurance rates for a Lexus HS 250h are $1,024 a year with full coverage. Comprehensive costs an estimated $198, collision costs $288, and liability coverage is $402. A liability-only policy costs around $446 a year, with high-risk insurance costing around $2,204. Teen drivers receive the highest rates at $3,962 a year or more.
Average premium for full coverage: $1,024
Rate estimates broken down by individual coverage type:
Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all HS 250h models.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $446 for just liability coverage to the much higher price of $2,204 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.
The example below illustrates how location impacts insurance prices.
These examples demonstrate why everyone should compare rates quotes for a targeted area and risk profile, rather than using 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.
Detailed Rate Analysis
The chart below details estimated Lexus HS 250h insurance rates for other coverage scenarios.
- The lowest rate with discounts is $608
- Raising to $1,000 deductibles will save approximately $112 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,024
- Choosing pricier low deductibles will increase the cost to $1,236
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,204 or more
- The cost for full coverage for a teenage driver for full coverage can cost as much as $3,962
Insurance rates for a Lexus HS 250h can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
A more mature driver with a clean driving record and high deductibles may only pay around $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay at least $3,900 a year. View Rates by Age
Where you live also has a big influence on Lexus HS 250h insurance rates. A middle-age driver might find rates as low as $740 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,380 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles can reduce rates by up to $330 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,200 to $1,700 extra per year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost around 43% to 130% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates can be significantly 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 | $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 Cheapest Lexus HS 250h Insurance
Saving money on auto insurance consists of avoiding accidents and violations, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Spend time shopping around at least every other year by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The list below is a recap of the car insurance concepts touched on above.
- Drivers that have major violations or accidents may pay on average $1,180 more annually for car insurance
- You may be able to save approximately $120 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $325 each year
- Consumers who want higher liability limits will pay about $440 every year to raise from a minimum limit to 250/500 limits
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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