Lexus ES 300h Insurance Rates

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

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different ES 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $746
• Raising to $1,000 deductibles will save around $178 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,310
• Using more expensive low deductibles will increase the cost to $1,656
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,842
• Policy cost for full coverage for a teen driver with full coverage may cost $4,882

View Chart as Image

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

An older driver with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $4,800 a year. View Rates by Age

Your home state 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 be forced to pay as much as $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $530 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

How to Find Low Cost Lexus ES 300h Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having good credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a review of the data touched on above.

• Policyholders who require more liability coverage will pay an extra $430 every year to raise from a 30/60 limit to 250/500 limits
• You may be able to save as much as $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $525 each year
• Teen drivers are charged the highest rates, as much as $407 each month if they have full coverage