Lexus ES 300h Insurance Rates

The average insurance prices for a Lexus ES 300h are $1,310 every 12 months with full coverage. Comprehensive insurance costs around $278 each year, collision insurance costs $506, and liability costs around $390. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs $2,842 or more. 16-year-old drivers cost the most to insure at up to $4,882 a year.

Average premium for full coverage: $1,310

Policy rates for type of insurance:

Rates are based on $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and ES 300h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code and their own driving history, instead of using rate averages.

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

Rate Comparisons

The chart below details average Lexus ES 300h insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $746
• Using higher $1,000 deductibles will save about $178 annually
• The average price for a good driver age 40 using $500 deductibles is $1,310
• Buying low deductibles for physical damage coverage costs an extra $346 every year
• Drivers with multiple tickets or accidents could pay at least $2,842
• Policy cost to insure a teen driver can be $4,882 or more

View Chart as Image

Auto insurance rates for a Lexus ES 300h also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Opting for high physical damage deductibles could cut rates by as much as $530 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,600 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 136% more than the average rate. View High Risk Driver Rates

Your home state 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 New Hampshire, Ohio, and Utah, or at least $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Best Cheap Lexus ES 300h Insurance

Finding cheaper rates on car insurance requires having a good driving record, having a good credit score, not filing small claims, and possibly raising deductibles. Set aside time to compare rates every couple of years by getting quotes from direct companies, and also from several local insurance agents.

The next list is a quick review of the material that was covered above.

• Policyholders who may need increased levels of liability coverage will pay around $430 every year to increase from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $407 each month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,530 more every year to buy Lexus ES 300h insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year