Lexus ES 300h Insurance Rates

U.S. average insurance prices for a Lexus ES 300h are $1,378 every 12 months including full coverage. Comprehensive insurance costs an estimated $290 a year, collision insurance costs $564, and liability insurance costs around $388. A policy with just liability insurance costs as low as $434 a year, and coverage for high-risk drivers costs $2,996 or more. 16-year-old 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:

Prices are based on $500 policy deductibles, split liability limits of 30/60, 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

Where you live has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how location helps determine insurance prices.

The ranges above highlight why it is important to compare prices for a targeted area and their own driving history, rather than relying on rate averages.

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 full coverage rate is $780
• Using higher $1,000 deductibles will save approximately $1,184 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,378
• Buying low $100 deductibles for physical damage coverage costs an extra $378 a year
• Drivers with multiple tickets or accidents could pay up to $2,996
• The price to insure a teen driver can cost as much as $5,108 or more

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Insurance prices for a Lexus ES 300h are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles could cut prices by as much as $580 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,600 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 129% more than the average rate. View High Risk Driver Rates

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 $1,060 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,960 on average in Louisiana, New York, and Michigan.

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How to Shop for Affordable Lexus ES 300h Insurance

Getting lower rates on Lexus ES 300h insurance requires avoiding accidents and claims, having good credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates at least once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a brief review of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $170 per year just by quoting early and online
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,620 more annually to insure a Lexus ES 300h
• Increasing physical damage deductibles could save as much as $575 each year
• Drivers under the age of 20 are charged the highest prices, possibly costing $426 a month if they have full coverage