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 an estimated $278, collision insurance costs $506, and liability insurance costs around $390. A liability-only policy costs as low as $438 a year, and high-risk insurance costs $2,842 or more. 16-year-old 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:

Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all ES 300h models.

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 fewer accident claims than congested cities. The example below illustrates how where you live affects insurance prices.

The examples above show why everyone should compare prices for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

More Rate Information

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

• The best full coverage rate is $746
• Using higher $1,000 deductibles will save approximately $178 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,310
• Buying pricier low deductibles for physical damage coverage costs an additional $346 a year
• Drivers with multiple tickets or accidents could pay up to $2,842
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,882 or more

View Chart as Image

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

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $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 $1,600 to $2,100 extra every year, depending on your age. Lexus ES 300h insurance for high-risk drivers can be anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $530 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

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 at least $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy Cheaper Lexus ES 300h Insurance

Finding cheaper rates on Lexus ES 300h insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a condensed summary of the coverage data touched on in the above illustrations.

• Drivers can save approximately $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Teenage drivers have the highest car insurance rates, costing up to $407 each month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,530 more annually for auto insurance