Lexus ES 300h Insurance Rates

Average insurance rates for a Lexus ES 300h are $1,310 a year with full coverage. Comprehensive insurance costs on average $278 a year, collision insurance costs $506, and liability is $390. Liability-only coverage costs around $438 a year, and high-risk coverage costs $2,842 or more. Teen 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:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP 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

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how location impacts car insurance rates.

These examples demonstrate why it is important to compare rates quotes based on a specific location and risk profile, instead of using price averages.

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

Additional Charts and Tables

The chart below details average Lexus ES 300h insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $746
• Raising to $1,000 deductibles will save around $1,132 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,310
• Choosing low $100 deductibles will cost an extra $346 every year
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,842
• The cost for full coverage for a teen driver may cost $4,882

View Chart as Image

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

Older drivers with no driving violations and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $4,800 a year. View Rates by Age

Where you live also has a big influence on Lexus ES 300h insurance prices. A middle-age driver might find rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $530 every year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 136% more than average. View High Risk Driver Rates

How to Find Low Cost Lexus ES 300h Insurance

Saving money on car insurance consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around every time your policy renews by requesting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The list below is a review of the information touched on above.

• You may be able to save as much as $160 per year just by quoting early and online
• Teenagers are expensive to insure, with premiums as much as $407 per month if full coverage is included
• Increasing deductibles can save around $525 each year
• Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,530 more each year for car insurance
• Policyholders who require higher liability limits will pay about $430 every year to raise from a minimum limit to 250/500 limits