Lexus ES 300h Insurance Rates

Average auto insurance rates for a Lexus ES 300h are $1,310 annually with full coverage. Comprehensive costs around $278 a 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. 16-year-old 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:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and ES 300h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples demonstrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $746
• Choosing higher $1,000 deductibles can save about $1,132 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,310
• Buying low $100 deductibles for comp and collision coverage will cost $1,656
• Unlucky drivers with multiple tickets or accidents could pay at least $2,842
• The cost with full coverage for a teen driver can be $4,882 each year

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Insurance rates for a Lexus ES 300h can also vary considerably based on the trim level of your ES 300h, your driving record, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,600 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $530 every year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

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 $940 a year in states like New Hampshire, Ohio, and Utah, or at least $1,770 on average in Florida, Michigan, and New York.

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How to Buy Affordable Lexus ES 300h Insurance

Saving money on car insurance takes being a good driver, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates at every policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a brief review of the data covered above.

• Policyholders who may need an increased level of liability coverage will pay around $430 every year to raise limits from a minimum limit to higher 250/500 limits
• You may be able to save up to $160 per year just by quoting early and online
• Increasing deductibles could save up to $525 each year
• Drivers age 16 to 20 pay higher rates, with premiums as much as $407 per month including comprehensive and collision insurance