Lexus ES 300h Insurance Rates

Average auto insurance rates for a Lexus ES 300h are $1,310 annually with full coverage. Comprehensive insurance costs approximately $278 a year, collision insurance costs $506, and liability costs around $390. A liability-only policy costs as low as $438 a year, and high-risk insurance costs $2,842 or more. Teenage drivers receive the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and ES 300h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples demonstrate why it is important to compare prices using their specific location and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below details average Lexus ES 300h insurance rates for additional coverage and risk scenarios.

• The best discount rate is $746
• Using higher $1,000 deductibles will save $1,132 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,310
• Using low $100 deductibles for physical damage coverage costs an additional $346 every year
• Drivers who are prone to accidents and violations could pay around $2,842
• The cost with full coverage for a teen driver can cost $4,882 or more

View Chart as Image

Insurance rates for a Lexus ES 300h can also vary considerably based on the trim level of your ES 300h, your driving record, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $530 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Lexus ES 300h insurance prices. A driver around age 40 might see rates as low as $940 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Best Lexus ES 300h Insurance

Saving money on car insurance requires having a good driving record, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at least once a year by requesting rates from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a brief recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save around $160 per year just by quoting early and online
• Higher risk drivers who tend to receive serious violations may pay on average $1,530 more per year to buy Lexus ES 300h insurance
• Increasing deductibles could save up to $525 each year
• Drivers age 20 and younger are expensive to insure, with premiums as much as $407 per month including comprehensive and collision insurance