Lexus ES 300h Insurance Rates

The 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 coverage is estimated at $390. A liability-only policy costs approximately $438 a year, and high-risk insurance costs $2,842 or more. Teens cost the most to insure at up to $4,882 a year.

Average premium for full coverage: $1,310

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and ES 300h models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance prices.

The examples above show why all drivers should get quotes using their specific location, rather than using averaged prices.

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 additional coverage and risk scenarios.

• The cheapest rate after discounts is $746
• Choosing higher $1,000 deductibles can save $178 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,310
• Selecting low deductibles for comp and collision coverage will cost an additional $346 each year
• Drivers with serious driving violations could pay around $2,842
• Policy cost that insures a teenage driver can cost $4,882 each year

View Chart as Image

Car insurance rates for a Lexus ES 300h also range considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,600 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 136% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,800 a year. View Rates by Age

Your home state 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $530 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheaper Lexus ES 300h Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Compare rates every other policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The items below are a condensed summary of the ideas that were touched on in the above illustrations.

• Teen drivers pay the highest auto insurance rates, costing up to $407 each month if full coverage is purchased
• Drivers with multiple at-fault accidents could be forced to pay on average $1,530 more per year to insure their ES 300h
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers can save around $160 per year just by quoting online in advance