Lexus ES 300h Insurance Rates

U.S. average insurance prices for a Lexus ES 300h are $1,310 every 12 months for full coverage insurance. Comprehensive insurance costs on average $278, collision insurance costs $506, and liability costs $390. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs $2,842 or more. Teenage drivers pay the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Price estimates by individual coverage:

Prices include $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all ES 300h models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities. The example below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why everyone should compare rates based on a specific location and their own driving history, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $746
• Drivers who choose higher $1,000 deductibles will pay around $178 each year
• The average price for the average middle-age driver with $500 deductibles is $1,310
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $346 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,842
• The price to insure a teen driver for full coverage may cost $4,882 a year

View Chart as Image

Car insurance prices for a Lexus ES 300h are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your ES 300h.

Using high physical damage deductibles could save up to $530 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,100 extra each year, depending on your age. Lexus ES 300h insurance for high-risk drivers can cost as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Lexus ES 300h insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Right Lexus ES 300h Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Take the time to compare rates at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a quick rundown of the primary concepts that were covered in the above illustrations.

• It is possible to save as much as $160 per year just by quoting online well ahead of the renewal date
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,530 more each year for ES 300h insurance
• Increasing physical damage deductibles could save as much as $525 each year
• Teens are expensive to insure, as much as $407 a month if the policy includes full coverage