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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U.S. average insurance prices for a Lexus HS 250h are $1,024 every 12 months with full coverage. Comprehensive insurance costs an estimated $198, collision insurance costs $288, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, and high-risk driver insurance costs $2,204 or more. Teen drivers pay the highest rates at up to $3,962 a year.
Average premium for full coverage: $1,024
Price estimates broken down by individual coverage:
Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all HS 250h models.
Price Range from Low to High
For the average driver, Lexus HS 250h insurance prices range from the cheapest price of $446 for just the minimum liability insurance to the much higher price of $2,204 for high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than larger metro areas. The example below illustrates how location impacts insurance prices.
The ranges above demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on 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.
Additional Rate Analysis
The chart below details average Lexus HS 250h insurance rates for other coverage scenarios.
- The lowest rate with discounts is $608
- Choosing higher $1,000 deductibles can save approximately $112 annually
- The average price for the average middle-age driver who has $500 deductibles is $1,024
- Choosing pricier low deductibles for comp and collision coverage costs an extra $212 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,204
- The price to insure a 16-year-old driver for full coverage can cost as much as $3,962 each year
Car insurance prices for a Lexus HS 250h are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Choosing high deductibles can save as much as $330 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $1,200 to $1,700 extra each year, depending on your age. Lexus HS 250h insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Lexus HS 250h insurance prices. A good driver about age 40 could pay 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% |
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 Shop for Affordable Lexus HS 250h Insurance
Getting lower rates on insurance for a Lexus HS 250h takes being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief review of the material that was touched on above.
- Insureds who want more liability coverage will pay about $440 every year to raise limits from a low limit to a 250/500 level
- Teen drivers have the highest car insurance prices, costing up to $330 a month if the policy includes full coverage
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,180 more annually to insure their HS 250h
- Increasing physical damage deductibles could save as much as $325 each year
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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