Lexus ES 300h Insurance Rates

The average insurance prices for a Lexus ES 300h are $1,310 every 12 months for full coverage insurance. Comprehensive costs an estimated $278 a year, collision insurance costs $506, and liability coverage costs $390. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs around $2,842. Teens cost the most to insure at up to $4,882 a year.

Average premium for full coverage: $1,310

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and ES 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how your location can change insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and their own driving history, rather than using averaged prices.

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

More Rate Details

The chart below illustrates average Lexus ES 300h insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $746
• Drivers who choose higher $1,000 deductibles will pay approximately $1,132 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,310
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,656
• High-risk insureds with serious driving violations could pay up to $2,842
• Policy cost to insure a teenage driver can cost as much as $4,882 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $530 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,600 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 136% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Lexus ES 300h insurance rates. A 40-year-old driver could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Best Lexus ES 300h Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around at every policy renewal by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The points below are a brief recap of the data illustrated above.

• Consumers who want increased liability limits will pay approximately $430 annually to go from a 30/60 limit to a 250/500 level
• It is possible to save approximately $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Drivers under the age of 20 are charged the highest rates, possibly costing $407 each month if they have full coverage