Lexus ES 300h Insurance Rates

The average insurance prices for a Lexus ES 300h are $1,310 every 12 months for full coverage insurance. Comprehensive costs an estimated $278 a year, collision insurance costs $506, and liability costs $390. A liability-only policy costs as little as $438 a year, and high-risk insurance costs around $2,842. 16-year-old drivers cost the most to insure at up to $4,882 a year.

Average premium for full coverage: $1,310

Policy rates broken down by type of insurance:

Rates are based on $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and ES 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities. The diagram below illustrates how your location can change insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

More Rate Information

The chart below illustrates average Lexus ES 300h insurance rates for other coverage scenarios.

• The best full coverage rate is $746
• Drivers who choose higher $1,000 deductibles will pay approximately $1,132 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,310
• Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,656
• Drivers with multiple tickets or accidents could pay up to $2,842
• Policy cost to insure a 16-year-old driver can cost as much as $4,882 a year

View Chart as Image

Car insurance rates for a Lexus ES 300h also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles could save up to $530 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,800 a year. View Rates by Age

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

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 North Carolina, Wisconsin, and Vermont, or at least $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for the Best Cheap Lexus ES 300h Insurance

Finding cheaper rates on insurance for a Lexus ES 300h not only requires not taking risks behind the wheel, but also maintaining a good credit score, being claim-free, and possibly higher deductibles. Invest the time to shop around at least once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a quick review of the primary concepts that were illustrated above.

• It is possible to save approximately $160 per year just by quoting early and online
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,530 more annually for ES 300h insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Teens have the highest car insurance rates, possibly costing $407 each month if the policy includes full coverage