Lexus ES 300h Insurance Rates

Average insurance prices for a Lexus ES 300h are $1,310 every 12 months with full coverage. Comprehensive insurance costs approximately $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 $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:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical 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 the price of insurance. Rural locations tend to have more infrequent collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples demonstrate why it is important to get quotes using their specific location and their own driving history, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $746
• Choosing higher $1,000 deductibles can save $1,132 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,310
• Choosing low $100 deductibles for comp and collision coverage costs an extra $346 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,842
• The cost to insure a teen driver can cost $4,882 each year

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

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

Older drivers with a clean driving record and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $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 average. View High Risk Driver Rates

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 Utah, Ohio, and New Hampshire, or as much as $1,770 on average in New York, Michigan, and Florida.

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How to Shop for the Best Lexus ES 300h Insurance

Saving money on car insurance takes avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a brief recap of the primary concepts that were covered in the above illustrations.

• You may be able to save around $160 per year just by quoting early and online
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,530 more per year to insure a Lexus ES 300h
• Increasing deductibles could save as much as $525 each year
• Drivers under the age of 20 are expensive to insure, with premiums as much as $407 per month if they have full coverage