Lexus ES 300h Insurance Rates

The average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage. Comprehensive costs on average $278, collision insurance costs $506, and liability insurance is $390. A liability-only policy costs around $438 a year, and high-risk insurance costs around $2,842. 16-year-old 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:

Full coverage includes $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different ES 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The price range example below illustrates the difference location can make on car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $746
• Raising to $1,000 deductibles will save around $178 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,310
• Buying more expensive low deductibles will increase the cost to $1,656
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,842
• Policy cost for full coverage for a teen driver with full coverage may cost $4,882

View Chart as Image

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

An older driver with no driving violations and high deductibles could 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 will be charged upwards of $4,800 a year. View Rates by Age

Your home state also has a big influence on Lexus ES 300h insurance rates. A middle-age driver might find rates as low as $860 a year in states like Idaho, Maine, and Iowa, or at least $1,870 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $530 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,600 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Lexus ES 300h Insurance

Finding cheaper rates on Lexus ES 300h insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates at least once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The next list is a summary of the primary concepts that were touched on in this article.

• Drivers can save as much as $160 per year just by shopping early and online
• High-risk drivers who have multiple accidents or major violations will pay on average $1,530 more each year to buy Lexus ES 300h insurance
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers age 20 and younger are expensive to insure, costing up to $407 each month if full coverage is included