Lexus ES 300h Insurance Rates

Average insurance rates for a Lexus ES 300h are $1,310 a year with full coverage. Comprehensive insurance costs on average $278, collision insurance costs $506, and liability is $390. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs $2,842 or more. Teenage drivers receive the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

Includes $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different ES 300h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $746
• Raising to $1,000 deductibles will save around $178 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,310
• Using more expensive low deductibles will cost an additional $346 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,842
• The cost that insures a 16-year-old driver with full coverage may cost $4,882

View Chart as Image

Auto insurance rates for a Lexus ES 300h can also vary considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,600 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,800 a year. View Rates by Age

Where you live 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 New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $530 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Lexus ES 300h Insurance

Saving money on insurance for a Lexus ES 300h consists of being safe and accident-free, maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare prices at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a recap of the data raised in the charts and tables above.

• Insureds who require more liability protection will pay an extra $430 every year to raise from a minimum limit to the 250/500 level
• You may be able to save as much as $160 per year just by shopping early and online
• Increasing deductibles can save approximately $525 each year
• Youthful drivers are charged the highest rates, with premiums as much as $407 per month if the policy includes full coverage