Lexus HS Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Lexus HS costs less than most other cars to insure.
• Full coverage insurance for a HS tends to be about $164 per month, on average, while liability only insurance usually averages around $81 a month.
• The most affordable auto insurance company for a HS is Dashers, who offers HS owners premiums sometimes as little as $37 monthly.

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HS Overview

The Lexus HS is a mid-level car with broad appeal, with 2012 models starting at $37,030.

We combed through thousands of car insurance quotes on Compare.com, and we've determined that, on average, Lexus HS insurance prices run about $134 per month. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Lexus HS?

You can see in the table above that compared to other vehicles, Lexus HS insurance rates are right around average. HS drivers can expect to pay about $81 a month for liability insurance, and around $164 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

When you compare it to other Lexus models, the HS is slightly less expensive, with premiums more than 5% lower than the rest of the automaker's vehicle offerings. Similarly, compared to other vehicles of a similar body style, HS coverage is cheaper than average, with both liability only and full coverage insurance averaging less expensive prices than other cars.

Compared to all vehicles of any body type, car insurance rates for both full coverage and liability only policies run lower than average.

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Who has the Cheapest Car Insurance for a Lexus HS?

If you're in the market for a car insurance policy for a Lexus HS, you may be wondering which carrier offers the lowest rates. While premiums can change significantly from policyholder to policyholder, Dashers offers the cheapest average rates for liability only coverage, with rates as cheap as just $37 monthly. The runner up for lowest rates is Commonwealth Casualty, with auto insurance policies starting as little as $38 a month.

Completing the top 5 carriers are Mapfre, Clearcover, and Kemper Personal Insurance. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lexus HS.

After all, car insurance carriers look at many different variables when calculating rates, so your results might be different. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from a whole bunch of insurance companies.

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What Factors Affect Car Insurance Rates for a Lexus HS?

As we mentioned above, there are a bunch of factors that auto insurance carriers take into account to decide how much they charge you for a policy -- and each company weighs different variables more heavily than others, so there's not just one carrier that's the cheapest for every driver.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Lexus HS has been around for a while -- that means vehicle age can make a big difference in what you end up paying for insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and HSs continue to depreciate, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, the HS won't really fit this trend. However, as you can see in the table above, the cheapest Lexus HSs to insure are those that are 4 to 5 years old, while the most expensive models are HSs that are 8 to 10 years old, on average.

Your Age

How old you are plays a role in how much car insurance companies will charge you. As you can see above, younger HS drivers have higher prices than those who have more experience. In this case, drivers 18 to 24 pay $22 more than those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group for HS drivers being 65 years and older.

Your Gender

Did you know men tend to pay more for auto insurance than women? This is because women are less likely to get into accidents and get tickets, which decreases the chances of an insurance claim. Surprisingly, when it comes to HS drivers specifically, women pay about $14 more than men every month for insurance.

Where You Live

It may be obvious that factors such as what vehicle you drive and how old you are play a role in your car insurance rates, but did you know that where you live can matter just as much? Since auto insurance is regulated on the state level rather than nationally, premiums can vary quite a bit from state to state.

For example, the average Lexus HS driver in New York pays around $108 per month for liability coverage. Meanwhile, on average, the same Californian owner will pay $42 less than that price. The chart above shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Lexus HS Car Insurance Discounts

Regardless of your age, your car, or your home state, using as many discounts as possible when it comes to your car insurance is always in your best interest when shopping around for a new policy.

Even though all insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Multi-policy discounts for using the same insurance company for both your home and car insurance
• Pay-in-full discounts for choosing to pay your entire policy premium at once, rather than by monthly payments

But these aren't the only discounts auto insurance carriers offer to their customers. Some of the best ways to save are just by having a positive insurance profile and good driving record.

Even though you may not be able to control every factor car insurance companies reference to calculate premiums (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your advantage in order to save money on insurance:

Your Driving Record

You've most likely seen ads from auto insurance carriers offering big savings for safe drivers. It shouldn't come as a surprise that if you get into a collision or get a speeding ticket, car insurance prices will go up. But exactly how much is it going to cost you for these infractions?

You can see from the table above that accidents will usually cost HS drivers less than tickets, but both will result in higher than average rates. Lexus HS drivers with a single ticket will pay an average of $128 monthly, while drivers with one accident on their record pay about $122 each month (up $41 from the $81/mo. overall average). Those with more than one of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive annually affects your insurance rates. Those who drive less are more likely to go accident-free, so they'll generally end up spending less on auto insurance. Above, you can see that Lexus HS owners who drive 10,000 miles or more pay $92 for car insurance, while those who drive fewer than 2,500 miles per year pay an average of $69 a month.

If you don't drive much because you work from home or have a second vehicle, it may be worth getting pay-per-mile or usage-based insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Lexus HSs Compare to Other Vehicles?

If you're thinking about buying a Lexus HS, you might want to know how it compares to other cars. Auto insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth considering carefully.

Review the table below to see how the Lexus HS stacks up:

Overall, the Lexus HS has an average MSRP and is in line with the going rate for a new vehicle. The average vehicle MSRP in the U.S. is $37,225, and the HS comes in close to that at $37,030. And since there hasn't been a new HS model on the market in the last few years, used prices will be even less expensive.

Liability insurance for a Lexus HS is, while full coverage is $12 less per month.

When it comes to usage, Lexus HS drivers are far from the national average in annual miles driven, with 11,617 miles for all vehicles a year compared to the HS's 10,429 every year.

Lexus HS Car Insurance Costs by Model Year

We've walked through many of the variables that can affect a driver's auto insurance prices. If you're considering buying a new HS, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your choices.

Choose Your Model

2011 Lexus HS Car Insurance 2010 Lexus HS Car Insurance

2011 Lexus HS Car Insurance

The average cost to insure a 2011 Lexus HS with liability only coverage is $84 monthly, while full coverage runs about $182 a month.

Mercury has rates as low as just $34 per month for the 2011 Lexus HS.

Want to know exactly what your auto insurance price will be? Get a variety of customized quotes for free by just entering your ZIP code below.

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2010 Lexus HS Car Insurance

You can expect full coverage for a 2010 HS to run around $162 monthly, while liability only coverage will average about $80 a month.

Looking for the cheapest policy? Clearcover offered liability only coverage for sometimes as low as $23 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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Lexus HS Insurance FAQs

Is a Lexus HS expensive to insure?

The Lexus HS is less expensive to insure compared to the average car. Liability insurance runs an average of $81 a month, while full coverage will cost you around $164.

How can I get the best price on car insurance for my Lexus HS?

The only way to confirm you're getting the most affordable price on insurance is to check prices regularly and compare quotes from lots of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a variety of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lexus HS affect my insurance rates?

Have you heard the old adage that red cars cost more to insure before? Well, that's actually not true. Although there are multiple things car insurance companies think about when they offer premiums, the color of your Lexus HS isn't one of them.

Do I need to have insurance before I buy a Lexus HS?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but your best bet is letting your insurance carrier know beforehand.

What car insurance discounts can I get for my Lexus HS?

There are a whole range of different discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your HS has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. To find out which discounts you may receive, reach out to your insurance company and ask about which discounts they offer.