Lexus ES 300h Insurance Rates
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Michelle Robbins
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UPDATED: Jun 8, 2024
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The average insurance rates for a Lexus ES 300h are $1,310 a year including full coverage. Comprehensive costs approximately $278 a year, collision costs $506, and liability costs around $390. Buying just liability costs as low as $438 a year, with insurance for high-risk drivers costing around $2,842. Teen drivers cost the most to insure at $4,882 a year or more.
Average premium for full coverage: $1,310
Policy rates by type of insurance:
Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and ES 300h trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Lexus ES 300h insurance rates go from as low as $438 for a discount liability-only rate to a high of $2,842 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above highlight why it is important to compare prices using their specific location and risk profile, 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 breaks down estimated Lexus ES 300h insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $746
- Using higher $1,000 deductibles will save $1,132 every year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,310
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,656
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,842 or more
- Policy cost for full coverage for a 16-year-old driver can cost $4,882 or more
Insurance rates for a Lexus ES 300h also range considerably based on your risk profile, the model of your ES 300h, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age
Your home state has a huge impact on Lexus ES 300h insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,870 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles could cut rates by as much as $530 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 136% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.
| 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 More Affordable Lexus ES 300h Insurance
Finding cheaper rates on insurance for a Lexus ES 300h requires being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at least once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a summary of the primary concepts that were raised in the charts and tables above.
- You may be able to save around $160 per year simply by quoting early and online
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,530 more per year for auto insurance
- Increasing comprehensive and collision deductibles can save around $525 each year
- Teenage drivers are expensive to insure, with premiums being up to $407 each month for full coverage
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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