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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Average insurance rates for a Lexus HS 250h are $1,024 a year for full coverage insurance. Comprehensive insurance costs approximately $198, collision insurance costs $288, and liability is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs $2,204 or more. Teenage drivers receive the highest rates at up to $3,962 a year.
Average premium for full coverage: $1,024
Rate estimates by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all HS 250h models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $446 for just the minimum liability insurance to the much higher price of $2,204 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance prices.
These examples illustrate why everyone should compare rates quotes using their specific location, instead of using average rates.
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 illustrates average Lexus HS 250h insurance rates for additional coverage and risk scenarios.
- The best discount rate is $608
- Raising to $1,000 deductibles will save $112 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,024
- Using pricier low deductibles will cost an additional $212 every year
- At-risk drivers who are prone to accidents and violations could pay around $2,204
- The cost that insures a teen driver for full coverage can cost $3,962
Auto insurance rates for a Lexus HS 250h can also vary considerably based on the model of your HS 250h, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 in extra premium per year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,900 a year. View Rates by Age
Where you live also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find rates as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,380 on average in Florida, New York, and Michigan.
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% |
Using high physical damage deductibles can reduce rates by up to $330 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every 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 Best Cheap Lexus HS 250h Insurance
Saving money on car insurance consists of having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following items are a quick review of the ideas that were raised in the charts and tables above.
- 16 to 18-year-old drivers have the highest car insurance rates, costing up to $330 per month if the policy includes full coverage
- Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,180 more per year than a driver with a clean driving record
- Increasing deductibles can save approximately $325 each year
- It is possible to save around $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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