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 including full coverage. Comprehensive insurance costs around $278 each year, collision costs $506, and liability costs around $390. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing $2,842 or more. Teens receive the highest rates at $4,882 a year or more.
Average premium for full coverage: $1,310
Rate estimates for individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and ES 300h models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $438 for just the minimum liability insurance to a high rate of $2,842 for a high-risk driver policy.
Price Range by Location
Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine auto insurance rates.
These examples highlight why all drivers should compare prices for a specific zip code, instead of 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.
Additional Rate Analysis
The chart below breaks down estimated Lexus ES 300h insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $746
- Using higher $1,000 deductibles will save about $178 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,310
- Selecting low deductibles for physical damage coverage will cost an additional $346 every year
- Drivers with serious driving violations could pay at least $2,842 or more
- The cost that insures a teen driver can be $4,882 or more
Car insurance rates for a Lexus ES 300h can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,600 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 136% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age
Where you live 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 Missouri, New Hampshire, and Vermont, or have to pay at least $1,870 on average in Michigan, New York, and Louisiana.
| 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 higher comprehensive and collision insurance deductibles could cut rates by as much as $530 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes can be significantly different.
| 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
Saving money on car insurance requires avoiding accidents and violations, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a summary of the information covered in the charts and tables above.
- You may be able to save up to $160 per year simply by quoting online in advance
- Teenagers are the costliest to insure, as much as $407 per month if full coverage is purchased
- Increasing deductibles can save approximately $525 each year
- Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,530 more every year for car insurance
- Policyholders who may need higher liability limits will pay approximately $430 per year to increase 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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