Lexus ES 300h Insurance Rates

U.S. average insurance rates for a Lexus ES 300h are $1,378 a year including full coverage. Comprehensive costs an estimated $290 a year, collision insurance costs $564, and liability coverage is $388. Liability-only coverage costs around $434 a year, and high-risk coverage costs around $2,996. Teenage drivers pay the highest rates at up to $5,108 a year.

Average premium for full coverage: $1,378

Price estimates broken down by individual coverage:

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and ES 300h trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

The ranges above highlight why it is important to compare rates quotes for a targeted area, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $780
• Raising to $1,000 deductibles will save approximately $1,184 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,378
• Using low $100 deductibles bumps up the cost to $1,756
• Unlucky drivers who are prone to accidents and violations could pay up to $2,996
• The price that insures a teenage driver can cost as much as $5,108

View Chart as Image

Auto insurance prices for a Lexus ES 300h are also quite variable based on the trim level of your ES 300h, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,600 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $5,100 a year. View Rates by Age

The state you live in also has a big influence on Lexus ES 300h insurance rates. A middle-age driver might find prices as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,960 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $580 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

How to Find More Affordable Lexus ES 300h Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Compare prices at least every other year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a summary of the car insurance concepts covered in the charts and tables above.

• Drivers who have multiple accidents or major violations could be charged and average of $1,620 more annually for ES 300h insurance
• You may be able to save approximately $170 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $575 each year
• Consumers who want higher liability limits will pay an extra $430 per year to raise from a low limit to the 250/500 level