Lexus ES 300h Insurance Rates

Average insurance rates for a Lexus ES 300h are $1,310 a year including full coverage. Comprehensive insurance costs approximately $278 a year, collision insurance costs $506, and liability is estimated at $390. Buying just liability costs approximately $438 a year, and insurance for high-risk drivers costs $2,842 or more. Teenage drivers receive the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and ES 300h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

These examples highlight why it is important to get quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down average Lexus ES 300h insurance rates for additional coverage and risk scenarios.

• The best discount rate is $746
• Choosing higher $1,000 deductibles can save $1,132 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,310
• Using low $100 deductibles for comp and collision coverage will cost an extra $346 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $2,842
• The cost for full coverage for a 16-year-old driver can cost $4,882 each year

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Auto insurance rates for a Lexus ES 300h can also vary considerably based on your driver profile, the model of your ES 300h, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $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 $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,870 on average in Louisiana, New York, and Michigan.

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Using high physical damage deductibles can save as much as $530 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 43% to 136% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Lexus ES 300h Insurance

Saving money on insurance for a Lexus ES 300h takes avoiding accidents and violations, having good credit, not filing small claims, and possibly higher deductibles. Invest the time to shop around every year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The list below is a summary of the coverage data illustrated above.

• You may be able to save around $160 per year just by quoting early and online
• Increasing deductibles can save around $525 each year
• Teenagers have the highest car insurance rates, as much as $407 per month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,530 more per year for car insurance