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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Average insurance rates for a Lexus ES 300h are $1,310 a year with full coverage. Comprehensive insurance costs on average $278, collision insurance costs $506, and liability coverage costs $390. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs $2,842 or more. 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:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for all ES 300h models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the low end price of $438 for minimum levels of liability insurance to the much higher price of $2,842 for a high-risk insurance policy.
Price Range by Location
Your location has a large influence on auto insurance rates. Rural areas tend to have lower incidents of collision claims than congested cities. The example below illustrates how your location can change car insurance rates.
These examples demonstrate why everyone should compare rates based on a specific location, rather than using rate 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.
Additional Rate Details
The chart below details average Lexus ES 300h insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $746
- Drivers who choose higher $1,000 deductibles will pay around $178 annually
- The estimated price for a 40-year-old driver with $500 deductibles is $1,310
- Buying pricier low deductibles for comprehensive and collision insurance will cost an additional $346 each year
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,842
- The cost that insures a teenage driver for full coverage may cost $4,882 a year
Auto insurance rates for a Lexus ES 300h can also vary considerably based on the model of your ES 300h, your age and driving habits, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,600 to $2,100 in extra premium per year, depending on your age. Lexus ES 300h insurance for high-risk drivers can cost around 43% to 136% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,800 a year. View Rates by Age
Where you live makes a big difference in Lexus ES 300h insurance rates. A 40-year-old driver could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or at least $1,770 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could save up to $530 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit
| 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 Find the Best Cheap Lexus ES 300h Insurance
Saving money on auto insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a quick review of the car insurance concepts illustrated above.
- Drivers with a DUI or reckless driving violation pay on average $1,530 more each year for car insurance
- You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $525 each year
- Consumers who require higher liability limits will pay around $430 every year to go from a minimum limit to the 250/500 level
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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