Lexus HS 250h Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 costs approximately $212, collision costs $314, and liability is estimated at $406. Liability-only insurance costs approximately $450 a year, with high-risk driver insurance costing around $2,302. 16-year-old drivers pay the most at $4,106 a year or more.

Average premium for full coverage: $1,068

Premium estimates by type of coverage:

Comprehensive $212
Collision $314
Liability $406

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all HS 250h models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Lexus HS 250h go from the cheapest price of $450 for just the minimum liability insurance to the much higher price of $2,302 for a driver who requires high-risk insurance.

Liability Only $450
Full Coverage $1,068
High Risk $2,302

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than congested cities.

The example below illustrates how where you live affects auto insurance prices.

Rural Areas $801
Small Cities $1,121
Large Cities $1,442

These rate differences show why everyone should get quotes using their specific location and their own driving history, instead of 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.

Additional Rate Analysis

The chart below shows estimated Lexus HS 250h insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $629
  • Choosing higher $1,000 deductibles can save $118 a year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,068
  • Buying pricier low deductibles for comp and collision coverage increases the price to $1,300
  • Unlucky drivers with multiple tickets or accidents could pay around $2,302 or more
  • An auto insurance policy to insure a teen driver for full coverage can cost $4,106 each year

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 model of your HS 250h.

Opting for high physical damage deductibles can save as much as $350 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $366 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $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 anywhere from $1,300 to $1,800 additional annually, depending on your age. Lexus HS 250h insurance for high-risk drivers ranges as much as 44% to 135% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus HS 250h insurance prices. A good driver about age 40 could pay as low as $710 a year in states like Iowa, Maine, and Idaho, or at least $1,530 on average in New York, Louisiana, and Michigan.

Lexus HS 250h Insurance Rates by State
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%

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Lexus HS 250h Insurance Rates by Model and Trim Level
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.

Lexus HS 250h Insurance Rates by Model Year
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 More Affordable Lexus HS 250h Insurance

Finding better rates on car insurance takes being safe and accident-free, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at every other renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a summary of the concepts that were touched on in the above illustrations.

  • Higher risk drivers who have multiple accidents or major violations may pay on average $1,230 more per year than a low-risk driver
  • Youthful drivers are the costliest to insure, as much as $342 per month if full coverage is included
  • Drivers can save around $130 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save as much as $350 each year
  • Drivers can save around $130 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Lexus HS 250h Insurance 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

Lexus HS 250h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,300
$250 $1,194
$500 $1,068
$1,000 $950

Full coverage, driver age 40

Rates by Liability Limit

Lexus HS 250h Insurance Rates with Different Liability Limits
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

Lexus HS 250h Insurance 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.

SR-22 Surcharge $145

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
Rate after discounts $629

Discounts are estimated and may not be available from every company or in every state.

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