Lexus ES 300h Insurance Rates

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

Average premium for full coverage: $1,310

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 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 have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how location impacts auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $746
• Raising to $1,000 deductibles will save about $178 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,310
• Using more expensive low deductibles will increase the cost to $1,656
• At-risk drivers who are prone to accidents and violations could pay at least $2,842
• The cost for full coverage for a teen driver with full coverage can be $4,882

View Chart as Image

Insurance rates for a Lexus ES 300h can also vary considerably based on your driver profile, the trim level of your ES 300h, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $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 $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.

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

If you like to drive fast or tend to cause accidents, you could be paying at least $1,600 to $2,100 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Lexus ES 300h Insurance

Saving money on car insurance consists of avoiding accidents and violations, maintaining good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Spend time shopping around every couple of years by requesting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The list below is a summary of the material that was touched on above.

• Policyholders who may need higher liability limits will pay an extra $430 each year to raise from a minimum limit to 250/500 limits
• Teenagers pay higher rates, costing as high as $407 per month for full coverage
• Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,530 more every year for car insurance
• Increasing deductibles can save around $525 each year