Lexus ES 300h Insurance Rates

The average auto insurance rates for a Lexus ES 300h are $1,310 annually for full coverage. Comprehensive insurance costs approximately $278 a year, collision insurance costs $506, and liability coverage is $390. Liability-only insurance costs around $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 by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and ES 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

The examples above show why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $746
• Raising to $1,000 deductibles will save $1,132 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,310
• Using low $100 deductibles costs an additional $346 each year
• Unlucky drivers who are prone to accidents and violations could pay around $2,842
• Policy cost with full coverage for a teenage driver can cost $4,882

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

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,600 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $530 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus ES 300h insurance rates. A middle-age driver might find rates 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.

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How to Buy the Best Lexus ES 300h Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to shop around at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief recap of the primary concepts that were illustrated above.

• Drivers can save around $160 per year just by quoting early and online
• Drivers who tend to receive serious violations pay on average $1,530 more per year to insure their ES 300h
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Teen drivers have the highest car insurance rates, costing up to $407 each month if full coverage is included