Lexus HS 250h Insurance Rates
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UPDATED: Apr 13, 2024
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Estimated insurance prices for a Lexus HS 250h are $1,068 every 12 months for full coverage. Comprehensive insurance costs around $212, collision insurance costs $314, and liability costs around $406. Liability-only coverage costs as low as $450 a year, and high-risk coverage costs $2,302 or more. Teen drivers pay the most at up to $4,106 a year.
Average premium for full coverage: $1,068
Premium estimates for type of coverage:
Estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all HS 250h models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lexus HS 250h range from the cheapest price of $450 for a discount liability-only rate to the much higher price of $2,302 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than larger metro areas. The example below illustrates how location helps determine auto insurance rates.
These rate differences show why everyone should compare prices for a specific zip code 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.
Rates by State, City, and Model
The chart below shows average Lexus HS 250h insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $629
- Using higher $1,000 deductibles will save about $118 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,068
- Choosing pricier low deductibles for physical damage coverage costs an extra $232 annually
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,302
- An auto insurance policy to insure a 16-year-old driver for full coverage can be $4,106 or more
Insurance prices for a Lexus HS 250h also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Choosing high deductibles could cut prices by as much as $350 annually, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $366 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $4,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,300 to $1,800 extra annually, depending on your age. Lexus HS 250h insurance for high-risk drivers can be from 44% to 135% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Lexus HS 250h insurance prices. A driver around age 40 might see prices as low as $710 a year in states like Idaho, Maine, and Iowa, or as much as $1,530 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $964 | -$104 | -9.7% |
| Alaska | $822 | -$246 | -23.0% |
| Arizona | $884 | -$184 | -17.2% |
| Arkansas | $1,068 | -$0 | 0.0% |
| California | $1,216 | $148 | 13.9% |
| Colorado | $1,020 | -$48 | -4.5% |
| Connecticut | $1,096 | $28 | 2.6% |
| Delaware | $1,208 | $140 | 13.1% |
| Florida | $1,334 | $266 | 24.9% |
| Georgia | $986 | -$82 | -7.7% |
| Hawaii | $768 | -$300 | -28.1% |
| Idaho | $722 | -$346 | -32.4% |
| Illinois | $794 | -$274 | -25.7% |
| Indiana | $806 | -$262 | -24.5% |
| Iowa | $720 | -$348 | -32.6% |
| Kansas | $1,014 | -$54 | -5.1% |
| Kentucky | $1,456 | $388 | 36.3% |
| Louisiana | $1,582 | $514 | 48.1% |
| Maine | $660 | -$408 | -38.2% |
| Maryland | $882 | -$186 | -17.4% |
| Massachusetts | $852 | -$216 | -20.2% |
| Michigan | $1,854 | $786 | 73.6% |
| Minnesota | $896 | -$172 | -16.1% |
| Mississippi | $1,280 | $212 | 19.9% |
| Missouri | $950 | -$118 | -11.0% |
| Montana | $1,146 | $78 | 7.3% |
| Nebraska | $842 | -$226 | -21.2% |
| Nevada | $1,282 | $214 | 20.0% |
| New Hampshire | $770 | -$298 | -27.9% |
| New Jersey | $1,196 | $128 | 12.0% |
| New Mexico | $944 | -$124 | -11.6% |
| New York | $1,126 | $58 | 5.4% |
| North Carolina | $614 | -$454 | -42.5% |
| North Dakota | $876 | -$192 | -18.0% |
| Ohio | $734 | -$334 | -31.3% |
| Oklahoma | $1,094 | $26 | 2.4% |
| Oregon | $980 | -$88 | -8.2% |
| Pennsylvania | $1,018 | -$50 | -4.7% |
| Rhode Island | $1,426 | $358 | 33.5% |
| South Carolina | $968 | -$100 | -9.4% |
| South Dakota | $902 | -$166 | -15.5% |
| Tennessee | $936 | -$132 | -12.4% |
| Texas | $1,286 | $218 | 20.4% |
| Utah | $790 | -$278 | -26.0% |
| Vermont | $730 | -$338 | -31.6% |
| Virginia | $640 | -$428 | -40.1% |
| Washington | $824 | -$244 | -22.8% |
| West Virginia | $980 | -$88 | -8.2% |
| Wisconsin | $738 | -$330 | -30.9% |
| Wyoming | $952 | -$116 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus HS 250H 4-Dr Sedan | $1,048 | $87 |
| Lexus HS 250H Premium 4-Dr Sedan | $1,068 | $89 |
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 | $218 | $346 | $402 | $1,102 |
| 2011 Lexus HS 250h | $212 | $314 | $406 | $1,068 |
| 2010 Lexus HS 250h | $198 | $288 | $402 | $1,024 |
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 Low Cost Lexus HS 250h Insurance
Finding better rates on insurance for a Lexus HS 250h requires having a good driving record, having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates at every other renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.
The next list is a review of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,230 more every year to buy Lexus HS 250h insurance
- Drivers age 20 and younger pay higher prices, as much as $342 per month if they have full coverage
- Drivers can save up to $130 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $350 each year
- Drivers can save up to $130 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,106 |
| 20 | $2,438 |
| 30 | $1,102 |
| 40 | $1,068 |
| 50 | $978 |
| 60 | $960 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,300 |
| $250 | $1,194 |
| $500 | $1,068 |
| $1,000 | $950 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,068 |
| 50/100 | $1,149 |
| 100/300 | $1,251 |
| 250/500 | $1,515 |
| 100 CSL | $1,190 |
| 300 CSL | $1,413 |
| 500 CSL | $1,576 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,826 |
| 20 | $3,886 |
| 30 | $2,338 |
| 40 | $2,302 |
| 50 | $2,196 |
| 60 | $2,174 |
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 | $56 |
| Multi-vehicle | $57 |
| Homeowner | $17 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $44 |
| Advance Quote | $50 |
| Online Quote | $75 |
| Total Discounts | $439 |
Discounts are estimated and may not be available from every company or in every state.
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