Lexus ES 300h Insurance Rates

The average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage. Comprehensive costs approximately $278 a year, collision insurance costs $506, and liability costs $390. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs around $2,842. Teenage drivers 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:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and ES 300h trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

The examples above show why it is important to compare rates using their specific location, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $746
• Drivers who choose higher $1,000 deductibles will pay $1,132 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,310
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,656
• Higher-risk drivers who are prone to accidents and violations could pay around $2,842
• Policy cost that insures a teen driver can cost $4,882 a year

View Chart as Image

Insurance rates for a Lexus ES 300h also range considerably based on the trim level of your ES 300h, 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. A high-risk auto insurance policy can cost as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,800 a year. View Rates by Age

Your home state makes a big difference in Lexus ES 300h insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $530 every year, while buying higher 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 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Lexus ES 300h Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every time your policy renews by requesting rates from direct carriers, and also from insurance agencies where you live.

The following items are a brief recap of the information touched on in the above illustrations.

• Drivers can save around $160 per year just by quoting early and online
• 16 to 18-year-old drivers are expensive to insure, costing up to $407 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,530 more per year than a driver with a clean driving record
• Policyholders who purchase additional liability coverage will pay an extra $430 each year to go from a 30/60 limit to the 250/500 level