Lexus ES 300h Insurance Rates

Average insurance prices for a Lexus ES 300h are $1,310 every 12 months for full coverage. Comprehensive insurance costs approximately $278 a year, collision insurance costs $506, and liability insurance costs around $390. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs $2,842 or more. 16-year-old drivers receive the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all states and ES 300h trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.

These examples show why it is important to compare prices using their specific location and their own driving history, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $746
• Using higher $1,000 deductibles will save $1,132 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,310
• Buying low $100 deductibles for physical damage coverage costs an extra $346 a year
• Drivers with multiple tickets or accidents could pay around $2,842
• The cost to insure a teen driver can cost $4,882 or more

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Car insurance rates for a Lexus ES 300h can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your ES 300h.

Opting for high physical damage deductibles could cut rates by as much as $530 each year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,870 on average in New York, Louisiana, and Michigan.

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How to Shop for Affordable Lexus ES 300h Insurance

Saving money on Lexus ES 300h insurance requires being a good driver, maintaining a good credit score, eliminating unneeded coverage, and attention to physical damage deductibles. Make time to compare rates every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief review of the coverage data touched on in this article.

• Drivers can save around $160 per year just by quoting early and online
• Increasing deductibles could save as much as $525 each year
• Drivers age 16 to 20 pay the highest auto insurance rates, costing as high as $407 per month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,530 more per year than a safer driver