Lexus ES 300h Insurance Rates

U.S. average insurance rates for a Lexus ES 300h are $1,310 a year with full coverage. Comprehensive costs on average $278 a year, collision insurance costs $506, and liability coverage costs around $390. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs around $2,842. Teen drivers pay the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Price estimates by individual coverage:

Rates are based on $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and ES 300h trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how where you live affects car insurance rates.

The ranges above demonstrate why it is important to compare prices based on a specific location and risk profile, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $746
• Using higher $1,000 deductibles will save around $1,132 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,310
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,656
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,842
• The price for full coverage for a teenage driver may cost $4,882 or more

View Chart as Image

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

Older drivers with no driving violations and high deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,800 a year. View Rates by Age

The state you live in has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $530 a year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 136% more than average. View High Risk Driver Rates

How to Find the Best Cheap Lexus ES 300h Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The following is a quick review of the information touched on in the above illustrations.

• You may be able to save as much as $160 per year just by quoting early and online
• Teens are expensive to insure, costing up to $407 a month if full coverage is included
• Increasing physical damage deductibles can save around $525 each year
• Drivers with a DUI or reckless driving violation may be required to pay an average of $1,530 more each year for ES 300h insurance
• Consumers who require higher liability limits will pay about $430 every year to increase from a low limit to 250/500 limits