Lexus ES 300h Insurance Rates

The average insurance rates for a Lexus ES 300h are $1,378 a year for full coverage insurance. Comprehensive costs approximately $290 each year, collision insurance costs $564, and liability insurance costs $388. Buying just liability costs as little as $434 a year, and insurance for high-risk drivers costs around $2,996. Teenage drivers cost the most to insure at up to $5,108 a year.

Average premium for full coverage: $1,378

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and ES 300h models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why all drivers should compare rates using their specific location and risk profile, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $780
• Drivers who choose higher $1,000 deductibles will pay $194 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,378
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,756
• High risk drivers who are prone to accidents and violations could pay around $2,996
• Policy cost for full coverage for a teen driver can cost $5,108 a year

View Chart as Image

Insurance rates for a Lexus ES 300h also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state makes a big difference in Lexus ES 300h insurance rates. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,860 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $580 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 129% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Lexus ES 300h Insurance

Finding cheaper rates on Lexus ES 300h insurance not only requires avoiding accidents and violations, but also maintaining good credit, being claim-free, and possibly raising deductibles. Invest the time to compare rates every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the coverage data presented in the illustrations above.

• It is possible to save around $170 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $575 each year
• Teenagers are expensive to insure, possibly costing $426 each month for full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,620 more per year for car insurance