Lexus ES 300h Insurance Rates

U.S. average auto insurance rates for a Lexus ES 300h are $1,378 annually with full coverage. Comprehensive insurance costs an estimated $290 each year, collision insurance costs $564, and liability costs around $388. A policy with just liability insurance costs as low as $434 a year, and coverage for high-risk drivers costs $2,996 or more. Teenage drivers pay the highest rates at up to $5,108 a year.

Average premium for full coverage: $1,378

Price estimates broken down by individual coverage:

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and ES 300h models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. More rural locations have fewer collision claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

The ranges above demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, 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 other coverage scenarios.

• The best discount rate is $780
• Using higher $1,000 deductibles will save approximately $194 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,378
• Using low deductibles for physical damage coverage costs an additional $378 every year
• Drivers who are prone to accidents and violations could pay up to $2,996
• The price with full coverage for a teen driver can cost as much as $5,108 or more

View Chart as Image

Insurance prices for a Lexus ES 300h are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $580 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus ES 300h insurance prices. A driver around age 40 might see prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,860 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Cheapest Lexus ES 300h Insurance

Getting lower rates on car insurance requires being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a recap of the material that was touched on in this article.

• Policyholders who want more liability coverage will pay an extra $430 every year to increase from a low limit to higher 250/500 limits
• Teen drivers are charged the highest prices, costing up to $426 a month including comprehensive and collision insurance
• Higher risk drivers that have major violations or accidents pay on average $1,620 more annually to insure their ES 300h
• Increasing physical damage deductibles could save up to $575 each year