Lexus ES 300h Insurance Rates

U.S. average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage. Comprehensive insurance costs approximately $278 each year, collision insurance costs $506, and liability insurance is estimated at $390. A policy with just liability insurance costs approximately $438 a year, and coverage for high-risk drivers costs $2,842 or more. Teens pay the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and ES 300h models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.

The ranges above show why all drivers should get quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $746
• Choosing higher $1,000 deductibles can save $178 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,310
• Selecting low deductibles for comp and collision coverage will cost an extra $346 a year
• High-risk insureds with serious driving violations could pay around $2,842
• The price for full coverage for a teen driver can cost $4,882 each year

View Chart as Image

Insurance prices for a Lexus ES 300h are also quite variable based on your driving record, the trim level of your ES 300h, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus ES 300h insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,870 on average in New York, Louisiana, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles can save as much as $530 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

How to Find Affordable Lexus ES 300h Insurance

Getting lower rates on Lexus ES 300h insurance takes avoiding accidents and claims, maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a brief review of the material that was touched on above.

• Drivers who purchase increased liability limits will pay approximately $430 each year to raise limits from a low limit to 250/500 limits
• Drivers under the age of 20 are expensive to insure, with premiums as much as $407 a month for full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,530 more per year to insure a Lexus ES 300h
• Increasing physical damage deductibles can save around $525 each year