Lexus ES 300h Insurance Rates

The average insurance rates for a Lexus ES 300h are $1,310 a year with full coverage. Comprehensive costs an estimated $278 a year, 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. 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:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and risk profile, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $746
• Raising to $1,000 deductibles will save approximately $1,132 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,310
• Selecting low $100 deductibles will increase the cost to $1,656
• At-risk drivers with serious driving violations could pay up to $2,842
• Policy cost for full coverage for a teen driver can cost as much as $4,882

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 liability limits and deductibles.

Older drivers 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 much higher for teenagers, where even good drivers can expect to pay at least $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 $940 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $530 every year, while buying higher liability limits will increase premiums. Moving 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 may be forking out $1,600 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 136% more than the average policy. View High Risk Driver Rates

How to Find the Best Cheap Lexus ES 300h Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at every other renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a quick review of the concepts that were touched on in this article.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,530 more annually for ES 300h insurance
• Teens are charged the highest rates, as much as $407 each month for full coverage
• You may be able to save approximately $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $525 each year
• You may be able to save approximately $160 per year just by quoting early and online