Lexus ES 300h Insurance Rates
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Michelle Robbins
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UPDATED: Jun 8, 2024
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U.S. average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage. Comprehensive insurance costs an estimated $278, collision costs $506, and liability coverage costs around $390. Buying just liability costs as low as $438 a year, with insurance for high-risk drivers costing $2,842 or more. Teenage drivers pay the highest rates at $4,882 a year or more.
Average premium for full coverage: $1,310
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all ES 300h models.
Price Range from Low to High
Using a 40-year-old driver as an example, Lexus ES 300h insurance prices go from the low end price of $438 for your basic liability-only policy to the much higher price of $2,842 for high-risk insurance.
Geographic Price Range
Where you live has a large influence on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.
The example below illustrates how rural and urban location affects insurance prices.
The ranges above show why everyone should compare prices for a targeted area, rather than using average rates.
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.
More Rate Information
The chart below shows estimated Lexus ES 300h insurance rates for other coverage scenarios.
- The best discount rate is $746
- Using higher $1,000 deductibles will save approximately $178 a year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,310
- Using pricier low deductibles for physical damage coverage will cost an additional $346 each year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,842 or more
- The price that insures a teenage driver for full coverage can cost as much as $4,882 or more
Insurance prices for a Lexus ES 300h are also quite variable based on the model of your ES 300h, how you drive, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you could be paying $1,600 to $2,100 additional each year, depending on your age. Lexus ES 300h insurance for high-risk drivers can be around 43% to 136% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age
The state you live in has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,870 on average in New York, Louisiana, 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% |
Using high physical damage deductibles could cut prices by as much as $530 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite 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 Cheaper Lexus ES 300h Insurance
Getting lower rates on auto insurance requires being a good driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices every couple of years by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The following list is a condensed summary of the material that was raised in the charts and tables above.
- Consumers who want an increased level of liability coverage will pay an extra $430 each year to increase from a low limit to the 250/500 level
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $407 a month if comprehensive and collision insurance is included
- Drivers with multiple at-fault accidents may pay on average $1,530 more annually than a safer driver
- Increasing physical damage deductibles can save approximately $525 each year
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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