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 $1,378 annually with full coverage. Comprehensive costs an estimated $290, collision insurance costs $564, and liability insurance costs around $388. A policy with only liability insurance costs as low as $434 a year, and a high-risk policy costs around $2,996. Teen drivers pay the most at up to $5,108 a year.
Average premium for full coverage: $1,378
Premium estimates broken down by type of coverage:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different ES 300h trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Lexus ES 300h range from as cheap as $434 for minimum levels of liability insurance to a much higher rate of $2,996 for a high-risk driver policy.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying 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.
Additional Rate Details
The chart below details average Lexus ES 300h insurance rates for other coverage scenarios.
- The lowest rate with discounts is $780
- Using higher $1,000 deductibles will save approximately $194 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,378
- Choosing more expensive low deductibles for physical damage coverage will cost $1,756
- Drivers with multiple violations and an at-fault accident could pay up to $2,996
- An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $5,108 or more
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 liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance can be anywhere from 45% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $580 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,860 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,244 | -$134 | -9.7% |
| Alaska | $1,054 | -$324 | -23.5% |
| Arizona | $1,142 | -$236 | -17.1% |
| Arkansas | $1,378 | -$0 | 0.0% |
| California | $1,568 | $190 | 13.8% |
| Colorado | $1,314 | -$64 | -4.6% |
| Connecticut | $1,414 | $36 | 2.6% |
| Delaware | $1,556 | $178 | 12.9% |
| Florida | $1,718 | $340 | 24.7% |
| Georgia | $1,272 | -$106 | -7.7% |
| Hawaii | $988 | -$390 | -28.3% |
| Idaho | $932 | -$446 | -32.4% |
| Illinois | $1,024 | -$354 | -25.7% |
| Indiana | $1,038 | -$340 | -24.7% |
| Iowa | $928 | -$450 | -32.7% |
| Kansas | $1,308 | -$70 | -5.1% |
| Kentucky | $1,878 | $500 | 36.3% |
| Louisiana | $2,038 | $660 | 47.9% |
| Maine | $850 | -$528 | -38.3% |
| Maryland | $1,138 | -$240 | -17.4% |
| Massachusetts | $1,098 | -$280 | -20.3% |
| Michigan | $2,390 | $1,012 | 73.4% |
| Minnesota | $1,152 | -$226 | -16.4% |
| Mississippi | $1,650 | $272 | 19.7% |
| Missouri | $1,222 | -$156 | -11.3% |
| Montana | $1,478 | $100 | 7.3% |
| Nebraska | $1,084 | -$294 | -21.3% |
| Nevada | $1,650 | $272 | 19.7% |
| New Hampshire | $994 | -$384 | -27.9% |
| New Jersey | $1,538 | $160 | 11.6% |
| New Mexico | $1,218 | -$160 | -11.6% |
| New York | $1,450 | $72 | 5.2% |
| North Carolina | $792 | -$586 | -42.5% |
| North Dakota | $1,128 | -$250 | -18.1% |
| Ohio | $950 | -$428 | -31.1% |
| Oklahoma | $1,412 | $34 | 2.5% |
| Oregon | $1,260 | -$118 | -8.6% |
| Pennsylvania | $1,312 | -$66 | -4.8% |
| Rhode Island | $1,836 | $458 | 33.2% |
| South Carolina | $1,246 | -$132 | -9.6% |
| South Dakota | $1,160 | -$218 | -15.8% |
| Tennessee | $1,204 | -$174 | -12.6% |
| Texas | $1,660 | $282 | 20.5% |
| Utah | $1,018 | -$360 | -26.1% |
| Vermont | $940 | -$438 | -31.8% |
| Virginia | $824 | -$554 | -40.2% |
| Washington | $1,062 | -$316 | -22.9% |
| West Virginia | $1,262 | -$116 | -8.4% |
| Wisconsin | $950 | -$428 | -31.1% |
| Wyoming | $1,224 | -$154 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus ES 300h | $290 | $564 | $388 | $1,378 |
| 2017 Lexus ES 300h | $278 | $506 | $390 | $1,310 |
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 the Best Cheap Lexus ES 300h Insurance
Finding better rates on Lexus ES 300h insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to compare rates every time your policy renews by getting rate quotes from direct companies, and also from several local insurance agents.
The points below are a quick review of the information covered above.
- You may be able to save approximately $170 per year just by shopping early and online
- Drivers under the age of 20 have the highest car insurance prices, possibly costing $426 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save up to $575 each year
- High-risk drivers with a DUI or reckless driving violation pay on average $1,620 more annually to insure a Lexus ES 300h
- Drivers who want increased liability limits will pay about $430 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,108 |
| 20 | $3,192 |
| 30 | $1,438 |
| 40 | $1,378 |
| 50 | $1,256 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,756 |
| $250 | $1,582 |
| $500 | $1,378 |
| $1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,378 |
| 50/100 | $1,456 |
| 100/300 | $1,553 |
| 250/500 | $1,805 |
| 100 CSL | $1,494 |
| 300 CSL | $1,708 |
| 500 CSL | $1,863 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,314 |
| 20 | $5,090 |
| 30 | $3,066 |
| 40 | $2,996 |
| 50 | $2,856 |
| 60 | $2,832 |
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 | $75 |
| Multi-vehicle | $73 |
| Homeowner | $20 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $65 |
| Advance Quote | $70 |
| Online Quote | $99 |
| Total Discounts | $598 |
Discounts are estimated and may not be available from every company or in every state.
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