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...
UPDATED: Apr 13, 2024
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Average insurance prices for a Lexus HS 250h are $1,024 every 12 months including full coverage. Comprehensive costs on average $198 each year, collision insurance costs $288, and liability costs $402. A liability-only policy costs as little as $446 a year, and high-risk insurance costs around $2,204. Teens receive the highest rates at up to $3,962 a year.
Average premium for full coverage: $1,024
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and HS 250h models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $446 for liability-only coverage to a high rate of $2,204 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These examples highlight why all drivers should compare rates based on a specific location and their own driving history, instead of making a decision based on averaged prices.
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 Charts and Tables
The chart below breaks down average Lexus HS 250h insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $608
- Drivers who choose higher $1,000 deductibles will pay around $112 every year
- The average price for a 40-year-old driver with $500 deductibles is $1,024
- Selecting low deductibles for comprehensive and collision insurance increases the price to $1,236
- Drivers with serious driving violations could pay upwards of $2,204
- The cost to insure a 16-year-old driver may cost $3,962 a year
Insurance rates for a Lexus HS 250h can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your HS 250h.
Choosing higher comprehensive and collision insurance deductibles could save up to $330 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $3,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 130% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Lexus HS 250h insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,460 on average in Michigan, New York, and Louisiana.
| 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
Saving money on insurance for a Lexus HS 250h not only requires being safe and accident-free, but also having good credit, not filing small claims, and determing if full coverage is necessary. Set aside time to compare rates at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief review of the car insurance concepts covered above.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,180 more each year than a low-risk driver
- You may be able to save as much as $120 per year just by quoting online in advance
- Increasing deductibles could save as much as $325 each year
- Insureds who require more liability protection will pay approximately $440 per year to go from a minimum limit to a 250/500 level
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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