Lexus ES 300h Insurance Rates
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UPDATED: Jun 8, 2024
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Estimated auto insurance rates for a Lexus ES 300h are $1,420 annually with full coverage. Comprehensive costs around $302 each year, collision costs $598, and liability coverage is $384. A policy with only liability insurance costs around $432 a year, with a high-risk policy costing around $3,094. Teens pay the most at $5,244 a year or more.
Average premium for full coverage: $1,420
Premium estimates for type of coverage:
These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and ES 300h models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lexus ES 300h go from as cheap as $432 for basic liability insurance to a high rate of $3,094 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than cities with more traffic congestion.
The graphic below illustrates how location impacts auto insurance rates.
These rate differences demonstrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.
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.
Rate Comparisons
The chart below details estimated Lexus ES 300h insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $798
- Raising to $1,000 deductibles will save about $204 annually
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,420
- Selecting low deductibles will cost $1,820
- Unlucky drivers with serious driving violations could pay at least $3,094 or more
- An auto insurance policy with full coverage for a teenage driver can be $5,244
Car insurance prices for a Lexus ES 300h also have a wide range based on the model of your ES 300h, your driving record, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $610 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Lexus ES 300h insurance rates. A middle-age driver might find prices as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,920 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,282 | -$138 | -9.7% |
| Alaska | $1,088 | -$332 | -23.4% |
| Arizona | $1,176 | -$244 | -17.2% |
| Arkansas | $1,420 | -$0 | 0.0% |
| California | $1,618 | $198 | 13.9% |
| Colorado | $1,354 | -$66 | -4.6% |
| Connecticut | $1,458 | $38 | 2.7% |
| Delaware | $1,606 | $186 | 13.1% |
| Florida | $1,774 | $354 | 24.9% |
| Georgia | $1,312 | -$108 | -7.6% |
| Hawaii | $1,022 | -$398 | -28.0% |
| Idaho | $962 | -$458 | -32.3% |
| Illinois | $1,058 | -$362 | -25.5% |
| Indiana | $1,072 | -$348 | -24.5% |
| Iowa | $958 | -$462 | -32.5% |
| Kansas | $1,348 | -$72 | -5.1% |
| Kentucky | $1,936 | $516 | 36.3% |
| Louisiana | $2,102 | $682 | 48.0% |
| Maine | $876 | -$544 | -38.3% |
| Maryland | $1,172 | -$248 | -17.5% |
| Massachusetts | $1,132 | -$288 | -20.3% |
| Michigan | $2,466 | $1,046 | 73.7% |
| Minnesota | $1,192 | -$228 | -16.1% |
| Mississippi | $1,702 | $282 | 19.9% |
| Missouri | $1,260 | -$160 | -11.3% |
| Montana | $1,524 | $104 | 7.3% |
| Nebraska | $1,118 | -$302 | -21.3% |
| Nevada | $1,702 | $282 | 19.9% |
| New Hampshire | $1,024 | -$396 | -27.9% |
| New Jersey | $1,586 | $166 | 11.7% |
| New Mexico | $1,256 | -$164 | -11.5% |
| New York | $1,494 | $74 | 5.2% |
| North Carolina | $816 | -$604 | -42.5% |
| North Dakota | $1,164 | -$256 | -18.0% |
| Ohio | $978 | -$442 | -31.1% |
| Oklahoma | $1,456 | $36 | 2.5% |
| Oregon | $1,302 | -$118 | -8.3% |
| Pennsylvania | $1,352 | -$68 | -4.8% |
| Rhode Island | $1,894 | $474 | 33.4% |
| South Carolina | $1,288 | -$132 | -9.3% |
| South Dakota | $1,200 | -$220 | -15.5% |
| Tennessee | $1,242 | -$178 | -12.5% |
| Texas | $1,712 | $292 | 20.6% |
| Utah | $1,050 | -$370 | -26.1% |
| Vermont | $970 | -$450 | -31.7% |
| Virginia | $850 | -$570 | -40.1% |
| Washington | $1,096 | -$324 | -22.8% |
| West Virginia | $1,302 | -$118 | -8.3% |
| Wisconsin | $982 | -$438 | -30.8% |
| Wyoming | $1,266 | -$154 | -10.8% |
With such a large range in prices, the best way to find out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company calculates prices differently, so rate quotes will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus ES 300h | $302 | $598 | $384 | $1,420 |
| 2017 Lexus ES 300h | $290 | $564 | $388 | $1,378 |
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 Buy Cheap Lexus ES 300h Insurance
Finding better rates on auto insurance consists of being a low-risk driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Spend time shopping around every year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.
The items below are a brief summary of the coverage data touched on above.
- You may be able to save up to $180 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $600 each year
- Teen drivers are the costliest to insure, possibly costing $437 per month if comprehensive and collision insurance is included
- Drivers that tend to have accidents or serious violations may pay on average $1,670 more every year to insure their ES 300h
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,244 |
| 20 | $3,296 |
| 30 | $1,486 |
| 40 | $1,420 |
| 50 | $1,300 |
| 60 | $1,276 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,820 |
| $250 | $1,634 |
| $500 | $1,420 |
| $1,000 | $1,216 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,420 |
| 50/100 | $1,497 |
| 100/300 | $1,593 |
| 250/500 | $1,842 |
| 100 CSL | $1,535 |
| 300 CSL | $1,746 |
| 500 CSL | $1,900 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,520 |
| 20 | $5,256 |
| 30 | $3,168 |
| 40 | $3,094 |
| 50 | $2,950 |
| 60 | $2,926 |
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 | $77 |
| Multi-vehicle | $76 |
| Homeowner | $21 |
| 5-yr Accident Free | $110 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $68 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $622 |
Discounts are estimated and may not be available from every company or in every state.
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