Lexus ES 300h Insurance Rates

Estimated insurance prices for a Lexus ES 300h are $1,310 every 12 months for full coverage insurance. Comprehensive costs around $278 each year, collision insurance costs $506, and liability is estimated at $390. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs around $2,842. Teenage drivers pay the most at up to $4,882 a year.

Average premium for full coverage: $1,310

Premium estimates for type of coverage:

Estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and ES 300h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.

These rate differences illustrate why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below illustrates average Lexus ES 300h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $746
• Choosing higher $1,000 deductibles can save about $178 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,310
• Using low deductibles for comp and collision coverage increases the price to $1,656
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,842
• An auto insurance policy to insure a 16-year-old driver can be $4,882 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $530 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 136% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Lexus ES 300h insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Low Cost Lexus ES 300h Insurance

Finding better rates on insurance for a Lexus ES 300h takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to compare rates every year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a review of the coverage data presented in the illustrations above.

• It is possible to save up to $160 per year just by quoting online in advance
• Increasing policy deductibles could save as much as $525 each year
• Teens pay higher prices, with premiums being up to $407 per month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,530 more every year for ES 300h insurance