Lexus ES 300h Insurance Rates

U.S. average insurance prices for a Lexus ES 300h are $1,310 every 12 months for full coverage insurance. Comprehensive insurance costs on average $278, collision insurance costs $506, and liability costs around $390. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs $2,842 or more. Teenage drivers pay the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different ES 300h trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how your location can change car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $746
• Using higher $1,000 deductibles will save around $178 each year
• The average price for the average middle-age driver with $500 deductibles is $1,310
• Using more expensive low deductibles for physical damage coverage costs an extra $346 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,842
• The price to insure a teen driver with full coverage may cost $4,882 or more

View Chart as Image

Car insurance prices for a Lexus ES 300h are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your ES 300h.

Using high physical damage deductibles could cut prices by as much as $530 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,100 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Lexus ES 300h insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

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

Getting lower rates on car insurance requires being safe and accident-free, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Invest the time to shop around at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a quick review of the primary concepts that were illustrated above.

• It is possible to save as much as $160 per year just by shopping early and online
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,530 more each year than a low-risk driver
• Increasing physical damage deductibles could save as much as $525 each year
• Youthful drivers are expensive to insure, as much as $407 a month if the policy includes full coverage