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 coverage costs around $390. Liability-only insurance costs as low as $438 a year, and high-risk driver 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:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and ES 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence 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 rural and urban location affects insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area and their own driving history, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $746
• Using higher $1,000 deductibles will save 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 physical damage coverage increases the price to $1,656
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,842
• Policy cost to insure a teenage driver can cost as much as $4,882 or more

View Chart as Image

Auto 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 cut rates by as much as $530 a year, 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 year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay 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 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 43% to 136% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see rates 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 Cheap Lexus ES 300h Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having a good credit score, being claim-free, and consideration of higher deductibles. Set aside time to shop around at least every other year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a brief summary of the car insurance concepts raised in the charts and tables above.

• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,530 more annually for car insurance
• It is possible to save approximately $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Consumers who want higher liability limits will pay around $430 annually to increase from a 30/60 limit to a 250/500 level