Lexus ES 300h Insurance Rates

Estimated insurance rates for a Lexus ES 300h are $1,378 a year for full coverage. Comprehensive costs on average $290, collision insurance costs $564, and liability costs $388. A policy with only liability insurance costs as little as $434 a year, and a high-risk policy costs around $2,996. Teen drivers pay the most at up to $5,108 a year.

Average premium for full coverage: $1,378

Premium estimates by type of coverage:

These estimates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all ES 300h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.

These rate differences show why everyone should compare rates based on a specific location and risk profile, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $780
• Drivers who choose higher $1,000 deductibles will pay around $194 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,378
• Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,756
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,996
• An auto insurance policy for full coverage for a teen driver for full coverage may cost $5,108 a year

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Car insurance prices for a Lexus ES 300h also have a wide range based on your driving characteristics, the trim level of your ES 300h, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $5,100 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus ES 300h insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,960 on average in Michigan, Louisiana, and New York.

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Choosing high deductibles could save up to $580 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,600 to $2,300 extra annually, depending on your age. Lexus ES 300h insurance for high-risk drivers can cost as much as 45% to 129% more than average. View High Risk Driver Rates

How to Find Cheap Lexus ES 300h Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The following is a brief summary of the data covered in the above illustrations.

• Policyholders who require higher liability limits will pay about $430 each year to go from 30/60 bodily injury limits to 250/500 limits
• Drivers can save as much as $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $575 each year
• Teens are expensive to insure, as much as $426 per month if full coverage is included