Lexus ES 300h Insurance Rates

Estimated auto insurance rates for a Lexus ES 300h are $1,310 annually with full coverage. Comprehensive costs around $278 each year, collision insurance costs $506, and liability coverage is $390. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs around $2,842. Teenage drivers pay the most at up to $4,882 a year.

Average premium for full coverage: $1,310

Premium estimates for type of coverage:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and ES 300h models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.

These rate differences demonstrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below details average Lexus ES 300h insurance rates for additional coverage choices and driver risks.

• The best discount rate is $746
• Raising to $1,000 deductibles will save about $178 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,310
• Using low deductibles will cost $1,656
• Unlucky drivers who are prone to accidents and violations could pay at least $2,842
• An auto insurance policy with full coverage for a teenage driver can be $4,882

View Chart as Image

Insurance prices for a Lexus ES 300h also have a wide range based on the model of your ES 300h, your driving record, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,600 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $530 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Lexus ES 300h insurance rates. A middle-age driver might find prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Cheaper Lexus ES 300h Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, having good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates once a year by requesting rates from direct companies, and also from local exclusive and independent agents.

The list below is a condensed summary of the data that was presented in the illustrations above.

• You may be able to save up to $160 per year just by quoting online in advance
• Consumers who may need higher liability limits will pay an extra $430 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Teenagers are charged the highest prices, possibly costing $407 per month if they have full coverage
• Drivers with multiple at-fault accidents may pay on average $1,530 more every year for car insurance