Lexus ES 300h Insurance Rates

The average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage insurance. Comprehensive insurance costs on average $278 a year, collision insurance costs $506, and liability costs $390. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs $2,842 or more. Teens cost the most to insure at up to $4,882 a year.

Average premium for full coverage: $1,310

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and ES 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects car insurance rates.

The examples above illustrate why it is important to compare rates based on a specific location, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $746
• Drivers who choose higher $1,000 deductibles will pay around $1,132 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,310
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $346 every year
• Higher-risk drivers with serious driving violations could pay upwards of $2,842
• Policy cost that insures a teen driver may cost $4,882 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,600 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 136% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

Your home state makes a big difference in Lexus ES 300h insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $530 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

How to Find Affordable Lexus ES 300h Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having above-average credit, being claim-free, and determing if full coverage is necessary. Compare rates every year by getting price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief review of the coverage data touched on in the above illustrations.

• It is possible to save as much as $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Teen drivers pay the highest rates, possibly costing $407 each month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,530 more each year to insure their ES 300h