Lexus ES 300h Insurance Rates

Average auto insurance rates for a Lexus ES 300h are $1,378 annually with full coverage. Comprehensive insurance costs an estimated $290 a year, collision insurance costs $564, and liability costs $388. A policy with just liability insurance costs as little as $434 a year, and coverage for high-risk drivers costs $2,996 or more. Teen drivers receive the highest rates at up to $5,108 a year.

Average premium for full coverage: $1,378

Rate estimates broken down by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and ES 300h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $780
• Drivers who choose higher $1,000 deductibles will pay approximately $1,184 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,378
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $378 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,996
• The cost with full coverage for a 16-year-old driver can cost as much as $5,108 a year

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Insurance rates for a Lexus ES 300h can also vary considerably based on the trim level of your ES 300h, your driving record, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,600 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can cost from 45% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $580 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Lexus ES 300h insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,860 on average in New York, Michigan, and Florida.

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How to Buy Cheaper Lexus ES 300h Insurance

Saving money on insurance for a Lexus ES 300h not only requires having a decent driving record, but also having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a condensed summary of the data covered in the above illustrations.

• Insureds who want additional liability coverage will pay about $430 every year to go from a minimum limit to higher 250/500 limits
• You may be able to save approximately $170 per year just by quoting early and online
• Increasing deductibles could save up to $575 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $426 per month if they have full coverage