Lexus ES 300h Insurance Rates

Estimated insurance prices for a Lexus ES 300h are $1,310 every 12 months with full coverage. Comprehensive costs around $278 a year, collision insurance costs $506, and liability insurance costs around $390. A liability-only policy costs as low as $438 a year, and high-risk insurance costs around $2,842. Teens pay the most at up to $4,882 a year.

Average premium for full coverage: $1,310

Premium estimates for type of coverage:

Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and ES 300h trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $746
• Using higher $1,000 deductibles will save about $1,132 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,310
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,656
• Drivers with serious driving violations could pay at least $2,842
• An auto insurance policy to insure a teen driver can be $4,882 or more

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Auto insurance prices for a Lexus ES 300h also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $530 each year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see prices 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 the Right Lexus ES 300h Insurance

Finding better rates on Lexus ES 300h insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by requesting rates from direct companies, and also from several local insurance agents.

The points below are a quick rundown of the data touched on in the above illustrations.

• Drivers who may need increased liability limits will pay approximately $430 every year to increase from 30/60 bodily injury limits to a 250/500 level
• You may be able to save up to $160 per year just by quoting early and online
• Increasing policy deductibles could save as much as $525 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $407 per month if comprehensive and collision insurance is included