Lexus ES 300h Insurance Rates

U.S. average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage. Comprehensive insurance costs on average $278 each year, collision insurance costs $506, and liability insurance costs around $390. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs $2,842 or more. Teenage drivers pay the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Price estimates by individual coverage:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and ES 300h models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

The ranges above show why all drivers should compare prices based on a specific location and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $746
• Using higher $1,000 deductibles will save around $178 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,310
• Using low deductibles for physical damage coverage will cost an extra $346 a year
• Drivers who are prone to accidents and violations could pay upwards of $2,842
• The price for full coverage for a teen driver may cost $4,882 or more

View Chart as Image

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

More mature drivers with no driving violations and high deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $4,800 a year. View Rates by Age

The state you live in has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,870 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $530 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,600 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

How to Find Low Cost Lexus ES 300h Insurance

Getting lower rates on Lexus ES 300h insurance requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every time your policy renews by getting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following is a review of the information illustrated above.

• Drivers can save as much as $160 per year just by quoting online in advance
• Teens are expensive to insure, with premiums as much as $407 a month if full coverage is included
• Increasing physical damage deductibles can save around $525 each year
• High-risk drivers who have several accidents or serious violations will pay on average $1,530 more each year for ES 300h insurance
• Drivers who require higher liability limits will pay an extra $430 each year to increase from a low limit to 250/500 limits