Lexus ES 300h Insurance Rates

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

Average premium for full coverage: $1,310

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and ES 300h models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why all drivers should get quotes for a specific zip code, instead of using averaged prices.

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 additional coverage choices and driver risks.

• The cheapest rate after discounts is $746
• Choosing higher $1,000 deductibles can save about $178 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,310
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,656
• Unlucky drivers with serious driving violations could pay at least $2,842
• The cost that insures a teen driver can be $4,882 each year

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Auto insurance rates for a Lexus ES 300h can also vary considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 136% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,800 a year. View Rates by Age

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 $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,870 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $530 every year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Lexus ES 300h Insurance

Saving money on car insurance takes having a decent driving record, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare rates every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the coverage data covered above.

• Drivers can save up to $160 per year just by quoting online in advance
• Increasing deductibles can save approximately $525 each year
• 16 to 18-year-old drivers are expensive to insure, costing as high as $407 per month if the policy includes full coverage
• Higher risk drivers who tend to receive serious violations pay on average $1,530 more every year than a driver with a clean driving record