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 an estimated $278 each year, collision insurance costs $506, and liability is estimated at $390. A policy with just liability insurance costs approximately $438 a year, and coverage for high-risk drivers costs around $2,842. Teen drivers pay the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all states and ES 300h models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

The ranges above show why all drivers should get quotes for a targeted area, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below shows average Lexus ES 300h insurance rates for other coverage scenarios.

• The lowest rate with discounts is $746
• Choosing higher $1,000 deductibles can save approximately $178 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,310
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,656
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,842
• The price that insures a 16-year-old driver can cost as much as $4,882 each year

View Chart as Image

Insurance prices for a Lexus ES 300h are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,600 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 136% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus ES 300h insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or as much as $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $530 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

How to Find Cheaper Lexus ES 300h Insurance

Getting lower rates on insurance for a Lexus ES 300h takes being a good driver, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Shop around every year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The following list is a condensed summary of the coverage data covered in the above illustrations.

• Drivers can save approximately $160 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $525 each year
• Drivers age 16 to 20 are charged the highest prices, with premiums as much as $407 a month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,530 more annually than a safer driver