Lexus ES 300h Insurance Rates

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

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and ES 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based on average rates.

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

More Rate Information

The chart below details average Lexus ES 300h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $746
• Choosing higher $1,000 deductibles can save about $1,132 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,310
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,656
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,842
• Policy cost for full coverage for a 16-year-old driver can be $4,882 each year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

Your home state 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 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 save as much as $530 annually, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more each 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 least $1,600 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges from 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 insurance for a Lexus ES 300h takes avoiding accidents and violations, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a review of the data that was touched on in this article.

• You may be able to save up to $160 per year just by quoting early and online
• Insureds who may need higher liability limits will pay an extra $430 every year to raise limits from a 30/60 limit to 250/500 limits
• Teenagers are charged the highest rates, as much as $407 each month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,530 more every year for car insurance