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 for full coverage insurance. Comprehensive costs an estimated $212, collision insurance costs $314, and liability coverage is $406. A policy with just liability insurance costs around $450 a year, and coverage for high-risk drivers costs around $2,302. Teen drivers pay the highest rates at up to $4,106 a year.
Average premium for full coverage: $1,068
Price estimates broken down by individual coverage:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all HS 250h models.
Price Range from Low to High
For the normal driver, Lexus HS 250h insurance prices range from the low end price of $450 for your basic liability-only policy to the much higher price of $2,302 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.
The ranges above illustrate why everyone should compare rates quotes for a targeted area, rather than using 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.
More Rate Information
The chart below illustrates average 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 each 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
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,302
- The price that insures a teenage driver for full coverage can cost as much as $4,106
Insurance prices for a Lexus HS 250h are also quite variable based on the model of your HS 250h, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,300 to $1,800 extra each year, depending on your age. Lexus HS 250h insurance for high-risk drivers is expensive and can cost around 44% to 135% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect 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 rates. A middle-age driver might find prices as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,440 on average in Florida, 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 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 more per year. View Rates by Deductible or Liability Limit
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 the Best Lexus HS 250h Insurance
Getting lower rates on auto insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Shop around every year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
The items below are a brief recap of the coverage data presented in the illustrations above.
- It is possible to save approximately $130 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $350 each year
- Teen drivers are charged the highest prices, as much as $342 a month if full coverage is included
- Drivers who tend to receive serious violations may have to pay on average $1,230 more annually to insure their HS 250h
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