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 $986 a year including full coverage. Comprehensive costs on average $186 a year, collision insurance costs $262, and liability coverage is estimated at $402. A policy with just liability insurance costs approximately $446 a year, and coverage for high-risk drivers costs around $2,120. 16-year-old drivers receive the highest rates at up to $3,840 a year.
Average premium for full coverage: $986
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and HS 250h trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from as low as $446 for just liability insurance to a high of $2,120 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects car insurance rates.
These examples highlight why it is important to get quotes based on a specific location and risk profile, rather than using rate 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.
More Rate Details
The chart below breaks down average Lexus HS 250h insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $588
- Choosing higher $1,000 deductibles can save around $884 every year
- The average rate for a 40-year-old driver with $500 deductibles is $986
- Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,180
- Drivers with multiple tickets or accidents could pay upwards of $2,120
- The cost for full coverage for a teenage driver may cost $3,840 each year
Insurance rates for a Lexus HS 250h can also vary considerably based on your driver profile, the model of your HS 250h, and policy deductibles and limits.
Older drivers with no violations or accidents and high deductibles may only pay around $900 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $3,800 a year. View Rates by Age
Where you live plays a big part in determining prices for Lexus HS 250h insurance rates. A good driver about age 40 could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,410 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $890 | -$96 | -9.7% |
| Alaska | $756 | -$230 | -23.3% |
| Arizona | $816 | -$170 | -17.2% |
| Arkansas | $986 | -$0 | 0.0% |
| California | $1,122 | $136 | 13.8% |
| Colorado | $940 | -$46 | -4.7% |
| Connecticut | $1,012 | $26 | 2.6% |
| Delaware | $1,114 | $128 | 13.0% |
| Florida | $1,230 | $244 | 24.7% |
| Georgia | $912 | -$74 | -7.5% |
| Hawaii | $708 | -$278 | -28.2% |
| Idaho | $666 | -$320 | -32.5% |
| Illinois | $734 | -$252 | -25.6% |
| Indiana | $742 | -$244 | -24.7% |
| Iowa | $664 | -$322 | -32.7% |
| Kansas | $936 | -$50 | -5.1% |
| Kentucky | $1,342 | $356 | 36.1% |
| Louisiana | $1,458 | $472 | 47.9% |
| Maine | $610 | -$376 | -38.1% |
| Maryland | $814 | -$172 | -17.4% |
| Massachusetts | $786 | -$200 | -20.3% |
| Michigan | $1,710 | $724 | 73.4% |
| Minnesota | $824 | -$162 | -16.4% |
| Mississippi | $1,180 | $194 | 19.7% |
| Missouri | $874 | -$112 | -11.4% |
| Montana | $1,056 | $70 | 7.1% |
| Nebraska | $776 | -$210 | -21.3% |
| Nevada | $1,182 | $196 | 19.9% |
| New Hampshire | $710 | -$276 | -28.0% |
| New Jersey | $1,102 | $116 | 11.8% |
| New Mexico | $872 | -$114 | -11.6% |
| New York | $1,036 | $50 | 5.1% |
| North Carolina | $568 | -$418 | -42.4% |
| North Dakota | $808 | -$178 | -18.1% |
| Ohio | $678 | -$308 | -31.2% |
| Oklahoma | $1,010 | $24 | 2.4% |
| Oregon | $904 | -$82 | -8.3% |
| Pennsylvania | $940 | -$46 | -4.7% |
| Rhode Island | $1,314 | $328 | 33.3% |
| South Carolina | $894 | -$92 | -9.3% |
| South Dakota | $832 | -$154 | -15.6% |
| Tennessee | $862 | -$124 | -12.6% |
| Texas | $1,186 | $200 | 20.3% |
| Utah | $730 | -$256 | -26.0% |
| Vermont | $672 | -$314 | -31.8% |
| Virginia | $590 | -$396 | -40.2% |
| Washington | $760 | -$226 | -22.9% |
| West Virginia | $904 | -$82 | -8.3% |
| Wisconsin | $680 | -$306 | -31.0% |
| Wyoming | $876 | -$110 | -11.2% |
Opting for high physical damage deductibles can save as much as $300 a year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 135% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus HS 250H 4-Dr Sedan | $968 | $81 |
| Lexus HS 250H Premium 4-Dr Sedan | $986 | $82 |
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 | $198 | $288 | $402 | $1,024 |
| 2011 Lexus HS 250h | $186 | $262 | $402 | $986 |
| 2010 Lexus HS 250h | $180 | $234 | $398 | $948 |
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 Cheap Lexus HS 250h Insurance
Saving money on auto insurance takes having a decent driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates every year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following items are a brief summary of the coverage data presented in the illustrations above.
- You may be able to save as much as $110 per year just by quoting early and online
- Increasing deductibles can save around $300 each year
- 16 to 18-year-old drivers pay higher rates, as much as $320 per month including comprehensive and collision insurance
- Drivers that tend to have accidents or serious violations may pay on average $1,130 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,840 |
| 20 | $2,246 |
| 30 | $1,012 |
| 40 | $986 |
| 50 | $904 |
| 60 | $886 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,180 |
| $250 | $1,092 |
| $500 | $986 |
| $1,000 | $884 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $986 |
| 50/100 | $1,066 |
| 100/300 | $1,167 |
| 250/500 | $1,428 |
| 100 CSL | $1,107 |
| 300 CSL | $1,328 |
| 500 CSL | $1,489 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,436 |
| 20 | $3,578 |
| 30 | $2,148 |
| 40 | $2,120 |
| 50 | $2,022 |
| 60 | $2,002 |
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 | $51 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $39 |
| Advance Quote | $45 |
| Online Quote | $68 |
| Total Discounts | $398 |
Discounts are estimated and may not be available from every company or in every state.
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