Lexus ES 300h Insurance Rates

U.S. 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 insurance costs around $390. A policy with just liability insurance costs as low as $438 a year, and coverage for high-risk drivers costs $2,842 or more. Teenage drivers pay the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and ES 300h models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location and risk profile, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $746
• Using higher $1,000 deductibles will save $178 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,310
• Using low deductibles for physical damage coverage will cost an extra $346 a year
• Drivers who are prone to accidents and violations could pay around $2,842
• The price for full coverage for a teen driver can cost $4,882 or more

View Chart as Image

Insurance prices for a Lexus ES 300h are also quite variable based on your driving record, the trim level of your ES 300h, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see prices 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 cut prices by as much as $530 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Lexus ES 300h Insurance

Getting lower rates on Lexus ES 300h insurance requires being a good driver, maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a brief review of the data touched on in the above illustrations.

• Drivers who purchase an increased level of liability coverage will pay an extra $430 each year to increase from a low limit to 250/500 limits
• Drivers can save around $160 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $525 each year
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $407 a month for full coverage