Lexus ES 300h Insurance Rates

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 liability-only policy costs approximately $438 a year, and high-risk insurance costs around $2,842. Teenage drivers receive the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Rate estimates broken down by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and ES 300h models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

These examples show why all drivers should get quotes for a targeted area, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $746
• Choosing higher $1,000 deductibles can save approximately $178 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,310
• Using low deductibles for comp and collision coverage bumps up the cost to $1,656
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,842
• The cost that insures a 16-year-old driver can cost as much as $4,882 each year

View Chart as Image

Insurance rates for a Lexus ES 300h can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,600 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges from 43% to 136% more than a normal policy. 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. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $4,800 a year. View Rates by Age

Where you live 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 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 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 cost as much as $351 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lexus ES 300h Insurance

Saving money on insurance for a Lexus ES 300h takes avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Compare prices at least every other year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a recap of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk that have major violations or accidents may pay on average $1,530 more annually for car insurance
• Drivers can save approximately $160 per year just by quoting online in advance
• Increasing deductibles can save approximately $525 each year
• Insureds who want higher liability limits will pay an extra $430 each year to raise limits from a minimum limit to the 250/500 level