Lexus HS 250h Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Lexus HS 250h are $1,068 a year including full coverage. Comprehensive costs an estimated $212, collision costs $314, and liability is $406. Liability-only coverage costs around $450 a year, with high-risk coverage costing around $2,302. Teen drivers pay the highest rates at $4,106 a year or more.
Average premium for full coverage: $1,068
Price estimates broken down by individual coverage:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all HS 250h models.
Price Range from Low to High
Using a middle-aged driver as an example, Lexus HS 250h insurance prices go from the low end price of $450 for liability-only coverage to the much higher price of $2,302 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates how where you live affects insurance prices.
The ranges above highlight why everyone should compare rates quotes for a targeted area, 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 Charts and Tables
The chart below breaks down estimated Lexus HS 250h insurance rates for other coverage scenarios.
- The lowest rate with discounts is $629
- Raising to $1,000 deductibles will save approximately $118 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,068
- Choosing pricier low deductibles bumps up the cost to $1,300
- Drivers with multiple violations and an at-fault accident could pay up to $2,302 or more
- The price that insures a 16-year-old driver for full coverage can cost as much as $4,106
Auto insurance prices for a Lexus HS 250h are also quite variable based on the model of your HS 250h, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $1,300 to $1,800 in extra premium each year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost from 44% to 135% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $4,100 a year. View Rates by Age
The state you live in also has a big influence on Lexus HS 250h insurance prices. A middle-age driver might find prices as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,530 on average in Louisiana, New York, and Michigan.
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% |
Choosing high deductibles can reduce prices by up to $350 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different.
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 Find Low Cost Lexus HS 250h Insurance
Getting lower rates on insurance for a Lexus HS 250h consists of being a good driver, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Shop around once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The following list is a review of the data that was touched on in the above illustrations.
- You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
- Insureds who want an increased level of liability coverage will pay about $450 per year to raise from a low limit to the 250/500 level
- Drivers age 16 to 20 are the costliest to insure, possibly costing $342 a month if the policy includes full coverage
- Drivers considered higher risk who have several accidents or serious violations could be charged and average of $1,230 more annually than a safer driver
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.
Compare Rates and Save
Find companies with the cheapest rates in your area