Lexus ES 300h Insurance Rates

U.S. average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage. Comprehensive costs approximately $278 a year, collision insurance costs $506, and liability coverage costs around $390. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs around $2,842. 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:

Full coverage includes $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and ES 300h trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

The ranges above show why it is important to compare prices using their specific location, rather than using average rates.

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

More Rate Details

The chart below shows 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 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,310
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,656
• Higher-risk drivers who are prone to accidents and violations could pay around $2,842
• The price that insures a teenage driver can cost $4,882 or more

View Chart as Image

Auto insurance prices for a Lexus ES 300h are also quite variable based on the trim level of your ES 300h, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,600 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 43% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

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

How to Find More Affordable Lexus ES 300h Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Compare prices every couple of years by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The following is a summary of the material that was illustrated above.

• Consumers who purchase higher liability limits will pay an extra $430 each year to increase from a low limit to the 250/500 level
• Teens have the highest car insurance prices, with premiums as much as $407 a month if the policy includes full coverage
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,530 more per year for ES 300h insurance
• Increasing physical damage deductibles can save approximately $525 each year