Lexus ES 300h Insurance Rates

Average insurance rates for a Lexus ES 300h are $1,310 a year including full coverage. Comprehensive costs approximately $278 each year, collision insurance costs $506, and liability is estimated at $390. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs around $2,842. 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:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and ES 300h models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why all drivers should get quotes using their specific location, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $746
• Choosing higher $1,000 deductibles can save $178 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,310
• Buying low deductibles for comp and collision coverage bumps up the cost to $1,656
• Unlucky drivers with multiple tickets or accidents could pay around $2,842
• The cost that insures a teen driver can cost $4,882 each year

View Chart as Image

Car insurance rates for a Lexus ES 300h can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,600 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 136% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus ES 300h insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,870 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $530 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Lexus ES 300h Insurance

Saving money on car insurance takes avoiding accidents and claims, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Comparison shop every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The points below are a brief recap of the coverage data covered in the above illustrations.

• You may be able to save around $160 per year just by quoting online in advance
• Increasing deductibles can save approximately $525 each year
• Drivers under the age of 20 pay the highest auto insurance rates, as much as $407 per month if full coverage is purchased
• Higher risk drivers who tend to receive serious violations will likely pay on average $1,530 more per year to insure a Lexus ES 300h