Lexus ES 300h Insurance Rates
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UPDATED: Jun 8, 2024
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Estimated insurance prices for a Lexus ES 300h are $1,420 every 12 months for full coverage insurance. Comprehensive insurance costs on average $302 a year, collision insurance costs $598, and liability coverage costs around $384. Liability-only insurance costs as low as $432 a year, and high-risk driver insurance costs $3,094 or more. Teenage drivers pay the most at up to $5,244 a year.
Average premium for full coverage: $1,420
Premium estimates by type of coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and 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 the cheapest price of $432 for just liability coverage to a high of $3,094 for a high-risk driver policy.
Insurance Price Range by Location
Where you live has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences illustrate why it is important to compare prices based on a specific location and their own driving history, 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.
Detailed Rate Analysis
The chart below illustrates average Lexus ES 300h insurance rates for different risk profiles and scenarios.
- The best discount rate is $798
- Using higher $1,000 deductibles will save around $1,216 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,420
- Using low $100 deductibles for physical damage coverage costs an extra $400 each year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,094
- An auto insurance policy to insure a teenage driver may cost $5,244 or more
Insurance prices for a Lexus ES 300h also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your ES 300h.
Using high physical damage deductibles could cut prices by as much as $610 a year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be around 44% to 133% more than a normal policy. View High Risk Driver Rates
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 $930 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,920 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,282 | -$138 | -9.7% |
| Alaska | $1,088 | -$332 | -23.4% |
| Arizona | $1,176 | -$244 | -17.2% |
| Arkansas | $1,420 | -$0 | 0.0% |
| California | $1,618 | $198 | 13.9% |
| Colorado | $1,354 | -$66 | -4.6% |
| Connecticut | $1,458 | $38 | 2.7% |
| Delaware | $1,606 | $186 | 13.1% |
| Florida | $1,774 | $354 | 24.9% |
| Georgia | $1,312 | -$108 | -7.6% |
| Hawaii | $1,022 | -$398 | -28.0% |
| Idaho | $962 | -$458 | -32.3% |
| Illinois | $1,058 | -$362 | -25.5% |
| Indiana | $1,072 | -$348 | -24.5% |
| Iowa | $958 | -$462 | -32.5% |
| Kansas | $1,348 | -$72 | -5.1% |
| Kentucky | $1,936 | $516 | 36.3% |
| Louisiana | $2,102 | $682 | 48.0% |
| Maine | $876 | -$544 | -38.3% |
| Maryland | $1,172 | -$248 | -17.5% |
| Massachusetts | $1,132 | -$288 | -20.3% |
| Michigan | $2,466 | $1,046 | 73.7% |
| Minnesota | $1,192 | -$228 | -16.1% |
| Mississippi | $1,702 | $282 | 19.9% |
| Missouri | $1,260 | -$160 | -11.3% |
| Montana | $1,524 | $104 | 7.3% |
| Nebraska | $1,118 | -$302 | -21.3% |
| Nevada | $1,702 | $282 | 19.9% |
| New Hampshire | $1,024 | -$396 | -27.9% |
| New Jersey | $1,586 | $166 | 11.7% |
| New Mexico | $1,256 | -$164 | -11.5% |
| New York | $1,494 | $74 | 5.2% |
| North Carolina | $816 | -$604 | -42.5% |
| North Dakota | $1,164 | -$256 | -18.0% |
| Ohio | $978 | -$442 | -31.1% |
| Oklahoma | $1,456 | $36 | 2.5% |
| Oregon | $1,302 | -$118 | -8.3% |
| Pennsylvania | $1,352 | -$68 | -4.8% |
| Rhode Island | $1,894 | $474 | 33.4% |
| South Carolina | $1,288 | -$132 | -9.3% |
| South Dakota | $1,200 | -$220 | -15.5% |
| Tennessee | $1,242 | -$178 | -12.5% |
| Texas | $1,712 | $292 | 20.6% |
| Utah | $1,050 | -$370 | -26.1% |
| Vermont | $970 | -$450 | -31.7% |
| Virginia | $850 | -$570 | -40.1% |
| Washington | $1,096 | -$324 | -22.8% |
| West Virginia | $1,302 | -$118 | -8.3% |
| Wisconsin | $982 | -$438 | -30.8% |
| Wyoming | $1,266 | -$154 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus ES 300h | $302 | $598 | $384 | $1,420 |
| 2017 Lexus ES 300h | $290 | $564 | $388 | $1,378 |
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 Shop for the Right Lexus ES 300h Insurance
Finding better rates on auto insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from several local insurance agents.
The points below are a quick rundown of the information covered above.
- It is possible to save as much as $180 per year just by quoting early and online
- Drivers under the age of 20 pay higher prices, with premiums being up to $437 per month if full coverage is included
- Increasing policy deductibles could save as much as $600 each year
- Drivers with reckless driving or DUI convictions pay on average $1,670 more each year to insure a Lexus ES 300h
- Consumers who require increased liability limits will pay an extra $420 annually to increase from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,244 |
| 20 | $3,296 |
| 30 | $1,486 |
| 40 | $1,420 |
| 50 | $1,300 |
| 60 | $1,276 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,820 |
| $250 | $1,634 |
| $500 | $1,420 |
| $1,000 | $1,216 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,420 |
| 50/100 | $1,497 |
| 100/300 | $1,593 |
| 250/500 | $1,842 |
| 100 CSL | $1,535 |
| 300 CSL | $1,746 |
| 500 CSL | $1,900 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,520 |
| 20 | $5,256 |
| 30 | $3,168 |
| 40 | $3,094 |
| 50 | $2,950 |
| 60 | $2,926 |
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 | $77 |
| Multi-vehicle | $76 |
| Homeowner | $21 |
| 5-yr Accident Free | $110 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $68 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $622 |
Discounts are estimated and may not be available from every company or in every state.
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