Lexus HS 250h Insurance Rates

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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:

Comprehensive $198
Collision $288
Liability $402

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.

Liability Only $446
Full Coverage $1,024
High Risk $2,204

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.

Rural Areas $768
Small Cities $1,075
Large Cities $1,382

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.

Lexus HS 250h Insurance Rates by State
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

Lexus HS 250h Insurance Rates by Model and Trim Level
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.

Lexus HS 250h Insurance Rates by Model Year
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

Rates by Driver Age

Lexus HS 250h Insurance 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

Lexus HS 250h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,236
$250 $1,138
$500 $1,024
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Lexus HS 250h Insurance Rates with Different Liability Limits
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

Lexus HS 250h Insurance 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.

SR-22 Surcharge $139

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
Rate after discounts $608

Discounts are estimated and may not be available from every company or in every state.

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