Lexus ES 300h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
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Estimated insurance prices for a Lexus ES 300h are $1,310 every 12 months for full coverage insurance. Comprehensive insurance costs on average $278 a year, collision insurance costs $506, and liability is estimated at $390. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs $2,842 or more. Teen drivers pay the most at up to $4,882 a year.
Average premium for full coverage: $1,310
Premium estimates by type of coverage:
Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and ES 300h trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Lexus ES 300h range from the cheapest price of $438 for a discount liability-only rate to a high of $2,842 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects car insurance rates.
These rate differences illustrate why it is important to get quotes based on a specific location and their own driving history, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below illustrates average Lexus ES 300h insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $746
- Choosing higher $1,000 deductibles can save around $1,132 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,310
- Choosing low $100 deductibles for comp and collision coverage costs an extra $346 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,842
- An auto insurance policy to insure a 16-year-old driver may cost $4,882 each year
Insurance prices for a Lexus ES 300h also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your ES 300h.
Choosing high deductibles can save as much as $530 annually, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 136% more than average. View High Risk Driver Rates
Where you choose to 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 $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,770 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,184 | -$126 | -9.6% |
| Alaska | $1,006 | -$304 | -23.2% |
| Arizona | $1,086 | -$224 | -17.1% |
| Arkansas | $1,310 | -$0 | 0.0% |
| California | $1,494 | $184 | 14.0% |
| Colorado | $1,250 | -$60 | -4.6% |
| Connecticut | $1,346 | $36 | 2.7% |
| Delaware | $1,480 | $170 | 13.0% |
| Florida | $1,636 | $326 | 24.9% |
| Georgia | $1,212 | -$98 | -7.5% |
| Hawaii | $942 | -$368 | -28.1% |
| Idaho | $886 | -$424 | -32.4% |
| Illinois | $976 | -$334 | -25.5% |
| Indiana | $988 | -$322 | -24.6% |
| Iowa | $884 | -$426 | -32.5% |
| Kansas | $1,244 | -$66 | -5.0% |
| Kentucky | $1,788 | $478 | 36.5% |
| Louisiana | $1,938 | $628 | 47.9% |
| Maine | $810 | -$500 | -38.2% |
| Maryland | $1,082 | -$228 | -17.4% |
| Massachusetts | $1,044 | -$266 | -20.3% |
| Michigan | $2,274 | $964 | 73.6% |
| Minnesota | $1,098 | -$212 | -16.2% |
| Mississippi | $1,570 | $260 | 19.8% |
| Missouri | $1,162 | -$148 | -11.3% |
| Montana | $1,406 | $96 | 7.3% |
| Nebraska | $1,032 | -$278 | -21.2% |
| Nevada | $1,570 | $260 | 19.8% |
| New Hampshire | $944 | -$366 | -27.9% |
| New Jersey | $1,462 | $152 | 11.6% |
| New Mexico | $1,158 | -$152 | -11.6% |
| New York | $1,378 | $68 | 5.2% |
| North Carolina | $756 | -$554 | -42.3% |
| North Dakota | $1,074 | -$236 | -18.0% |
| Ohio | $902 | -$408 | -31.1% |
| Oklahoma | $1,344 | $34 | 2.6% |
| Oregon | $1,200 | -$110 | -8.4% |
| Pennsylvania | $1,248 | -$62 | -4.7% |
| Rhode Island | $1,746 | $436 | 33.3% |
| South Carolina | $1,188 | -$122 | -9.3% |
| South Dakota | $1,104 | -$206 | -15.7% |
| Tennessee | $1,146 | -$164 | -12.5% |
| Texas | $1,580 | $270 | 20.6% |
| Utah | $970 | -$340 | -26.0% |
| Vermont | $896 | -$414 | -31.6% |
| Virginia | $784 | -$526 | -40.2% |
| Washington | $1,010 | -$300 | -22.9% |
| West Virginia | $1,202 | -$108 | -8.2% |
| Wisconsin | $904 | -$406 | -31.0% |
| Wyoming | $1,166 | -$144 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus ES 300h | $278 | $506 | $390 | $1,310 |
| 2017 Lexus ES 300h | $260 | $466 | $390 | $1,252 |
Rates are averaged for all Lexus ES 300h models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Lexus ES 300h Insurance
Finding better rates on insurance for a Lexus ES 300h takes being a low-risk driver, having good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Invest the time to compare rates once a year by getting price quotes from direct insurance companies, and also from several local insurance agents.
The items below are a brief review of the data that was presented in the illustrations above.
- It is possible to save as much as $160 per year just by quoting early and online
- Insureds who require more liability coverage will pay about $430 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teen drivers pay the highest prices, with premiums being up to $407 per month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,530 more each year to insure their ES 300h
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,882 |
| 20 | $3,024 |
| 30 | $1,368 |
| 40 | $1,310 |
| 50 | $1,198 |
| 60 | $1,176 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,656 |
| $250 | $1,496 |
| $500 | $1,310 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,310 |
| 50/100 | $1,388 |
| 100/300 | $1,486 |
| 250/500 | $1,739 |
| 100 CSL | $1,427 |
| 300 CSL | $1,642 |
| 500 CSL | $1,798 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,978 |
| 20 | $4,820 |
| 30 | $2,906 |
| 40 | $2,842 |
| 50 | $2,712 |
| 60 | $2,688 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $70 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $94 |
| Total Discounts | $564 |
Discounts are estimated and may not be available from every company or in every state.
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