Lexus ES 300h Insurance Rates

The average insurance rates for a Lexus ES 300h are $1,378 a year including full coverage. Comprehensive insurance costs an estimated $290, collision insurance costs $564, and liability coverage costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs $2,996 or more. Teenage drivers cost the most to insure at up to $5,108 a year.

Average premium for full coverage: $1,378

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all ES 300h models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts insurance prices.

The examples above highlight why everyone should compare prices for a targeted area, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $780
• Using higher $1,000 deductibles will save approximately $194 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,378
• Using pricier low deductibles for physical damage coverage will cost an additional $378 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,996
• Policy cost that insures a teenage driver for full coverage can cost as much as $5,108 or more

View Chart as Image

Insurance rates for a Lexus ES 300h also range considerably based on the model of your ES 300h, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,600 to $2,300 additional every year, depending on your age. Lexus ES 300h insurance for high-risk drivers can be around 45% to 129% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,100 a year. View Rates by Age

Your home state has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,960 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $580 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Lexus ES 300h Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief review of the data that was touched on above.

• You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
• Consumers who want an increased level of liability coverage will pay an extra $430 per year to increase from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $426 each month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions could be charged and average of $1,620 more annually than a safer driver