Lexus ES 300h Insurance Rates

Average insurance prices for a Lexus ES 300h are $1,310 every 12 months including full coverage. Comprehensive costs around $278 each year, collision insurance costs $506, and liability insurance is estimated at $390. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs around $2,842. Teen drivers receive the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Rate estimates for individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and ES 300h models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

Rate Comparisons

The chart below breaks down average Lexus ES 300h insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $746
• Choosing higher $1,000 deductibles can save about $178 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,310
• Choosing low deductibles for comp and collision coverage increases the price to $1,656
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,842
• The cost to insure a teen driver can be $4,882 each year

View Chart as Image

Car insurance rates for a Lexus ES 300h can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles can save as much as $530 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 136% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Lexus ES 300h insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,870 on average in Michigan, New York, and Louisiana.

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How to Shop for Cheap Lexus ES 300h Insurance

Saving money on Lexus ES 300h insurance takes avoiding accidents and violations, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a brief summary of the data covered above.

• Drivers who may need higher liability limits will pay about $430 per year to raise limits from a minimum limit to a 250/500 level
• You may be able to save up to $160 per year just by quoting online in advance
• Increasing deductibles could save as much as $525 each year
• Teenagers are the costliest to insure, as much as $407 per month if the policy includes full coverage