Lexus ES 300h Insurance Rates

The average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage. Comprehensive insurance costs an estimated $278 each year, collision insurance costs $506, and liability insurance costs $390. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs $2,842 or more. Teenage drivers cost the most to insure at up to $4,882 a year.

Average premium for full coverage: $1,310

Policy rates broken down by type of insurance:

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and ES 300h models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

The examples above show why all drivers should compare rates for a targeted area, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $746
• Drivers who choose higher $1,000 deductibles will pay approximately $178 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,310
• Using low deductibles for comprehensive and collision insurance will cost an additional $346 a year
• High risk drivers who are prone to accidents and violations could pay up to $2,842
• Policy cost that insures a teen driver can cost as much as $4,882 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying $1,600 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age

Your home state makes a big difference in Lexus ES 300h insurance rates. A 40-year-old driver 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 could save up to $530 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Lexus ES 300h Insurance

Finding cheaper rates on Lexus ES 300h insurance not only requires having a good driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices at least once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a condensed summary of the primary concepts that were raised in the charts and tables above.

• Drivers can save approximately $160 per year just by quoting online in advance
• High-risk drivers with multiple at-fault accidents may pay on average $1,530 more annually to buy Lexus ES 300h insurance
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers age 20 and younger are the costliest to insure, costing up to $407 each month if the policy includes full coverage