Lexus ES 300h Insurance Rates

The average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage insurance. Comprehensive costs approximately $278, collision insurance costs $506, and liability is $390. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs around $2,842. Teen 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:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all ES 300h models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why everyone should compare rates quotes using their specific location and risk profile, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $746
• Raising to $1,000 deductibles will save $178 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,310
• Choosing pricier low deductibles will increase the cost to $1,656
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,842
• Policy cost for full coverage for a teen driver for full coverage can cost $4,882

View Chart as Image

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

A more mature driver with a clean 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 highest for teenagers, where even good drivers can expect to pay in the ballpark 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 $860 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $530 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,100 extra every year, depending on your age. Lexus ES 300h insurance for high-risk drivers is expensive and can cost as much as 43% to 136% more than average. View High Risk Driver Rates

How to Find Affordable Lexus ES 300h Insurance

Finding cheaper rates on car insurance consists of being a good driver, maintaining good credit, being claim-free, and possibly raising deductibles. Set aside time to shop around every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief review of the material that was raised in the charts and tables above.

• Policyholders who purchase an increased level of liability coverage will pay about $430 annually to raise from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 are expensive to insure, possibly costing $407 each month for full coverage
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,530 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save around $525 each year