Lexus ES 300h Insurance Rates

The average insurance prices for a Lexus ES 300h are $1,310 every 12 months for full coverage. Comprehensive insurance costs an estimated $278 a year, collision insurance costs $506, and liability insurance costs around $390. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs $2,842 or more. Teen 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:

These estimates include $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and ES 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above show why it is important to compare prices for a targeted area and their own driving history, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $746
• Using higher $1,000 deductibles will save approximately $1,132 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,310
• Choosing low $100 deductibles for physical damage coverage costs an extra $346 a year
• Drivers with multiple violations and an at-fault accident could pay up to $2,842
• Policy cost to insure a teen driver can cost as much as $4,882 or more

View Chart as Image

Insurance rates for a Lexus ES 300h also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing high deductibles could cut rates by as much as $530 each year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $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 could be paying $1,600 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 136% more than average. View High Risk Driver Rates

Your home state has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see rates 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

How to Shop for Cheap Lexus ES 300h Insurance

Finding cheaper rates on Lexus ES 300h insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every policy renewal by requesting rates from direct carriers, and also from several local insurance agents.

The next list is a brief summary of the data covered in the above illustrations.

• Drivers who want increased levels of liability coverage will pay about $430 each year to increase from a 30/60 limit to a 250/500 level
• Drivers can save approximately $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers age 20 and younger are expensive to insure, costing up to $407 each month if full coverage is included