Lexus ES 300h Insurance Rates

Average insurance prices for a Lexus ES 300h are $1,310 every 12 months with full coverage. Comprehensive costs on average $278 each year, collision insurance costs $506, and liability insurance is $390. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs around $2,842. Teens receive the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and ES 300h models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on car insurance rates.

These examples demonstrate why all drivers should compare rates quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $746
• Raising to $1,000 deductibles will save around $178 annually
• The average price for a 40-year-old driver with $500 deductibles is $1,310
• Selecting low deductibles increases the price to $1,656
• Higher-risk drivers with serious driving violations could pay upwards of $2,842
• The cost to insure a teen driver may cost $4,882

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $530 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Lexus ES 300h insurance rates. A middle-age driver might find rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Cheap Lexus ES 300h Insurance

Saving money on Lexus ES 300h insurance consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Take the time to compare rates every year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief summary of the coverage data covered in the above illustrations.

• You may be able to save as much as $160 per year just by quoting online in advance
• Increasing deductibles could save as much as $525 each year
• Teenagers pay higher rates, with premiums as much as $407 per month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,530 more each year for car insurance