Lexus ES 300h Insurance Rates

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UPDATED: Jun 8, 2024

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The average auto insurance rates for a Lexus ES 300h are $1,310 annually including full coverage. Comprehensive insurance costs on average $278, collision insurance costs $506, and liability coverage costs $390. A liability-only policy costs as little as $438 a year, and high-risk insurance costs $2,842 or more. 16-year-old drivers cost the most to insure at up to $4,882 a year.

Average premium for full coverage: $1,310

Policy rates by type of insurance:

Comprehensive $278
Collision $506
Liability $390

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all ES 300h models.

Price Range Variability

For the average 40-year-old driver, Lexus ES 300h insurance rates range from as cheap as $438 for minimum levels of liability insurance to the much higher price of $2,842 for a driver who has had serious violations or accidents.

Liability Only $438
Full Coverage $1,310
High Risk $2,842

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on car insurance rates.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

The examples above highlight why everyone should compare rates based on a specific location and their own personal driving habits, rather than using rate 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.

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Additional Rate Details

The chart below breaks down average Lexus ES 300h insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $746
  • Drivers who choose higher $1,000 deductibles will pay around $178 every year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,310
  • Buying pricier low deductibles for comprehensive and collision insurance costs an additional $346 each year
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,842
  • Policy cost with full coverage for a teenage driver for full coverage may cost $4,882 a year

View Chart as Image

Lexus ES 300h insurance cost comparison chart
Column chart showing Lexus ES 300h insurance prices range from $746 to $4,882 for full coverage

Car insurance rates for a Lexus ES 300h also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,100 extra every year, depending on your age. Lexus ES 300h insurance for high-risk drivers can cost around 43% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $530 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus ES 300h insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,870 on average in Michigan, New York, and Louisiana.

Lexus ES 300h Insurance Rates by State
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%

View Chart as Image

Lexus ES 300h insurance rates by U.S. city
Lexus ES 300h Insurance Rates by Model Year
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 Buy the Best Lexus ES 300h Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Make time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the ideas that were touched on in this article.

  • 16 to 18-year-old drivers are expensive to insure, with premiums being up to $407 each month if comprehensive and collision insurance is included
  • Drivers who tend to receive serious violations pay on average $1,530 more each year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles could save up to $525 each year
  • You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Lexus ES 300h Insurance 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

Lexus ES 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,656
$250 $1,496
$500 $1,310
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 300h Insurance Rates with Different Liability Limits
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

Lexus ES 300h Insurance 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.

SR-22 Surcharge $185

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
Rate after discounts $746

Discounts are estimated and may not be available from every company or in every state.

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