Lexus ES 300h Insurance Rates
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Michelle Robbins
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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 auto insurance rates for a Lexus ES 300h are $1,310 annually for full coverage. Comprehensive insurance costs an estimated $278, collision costs $506, and liability coverage costs $390. A policy with just liability insurance costs as little as $438 a year, with coverage for high-risk drivers costing $2,842 or more. 16-year-old drivers receive the highest rates at $4,882 a year or more.
Average premium for full coverage: $1,310
Rate estimates broken down by individual coverage type:
Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all ES 300h models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $438 for just the minimum liability insurance to the much higher price of $2,842 for a high-risk driver policy.
Price Range by Location
Your location has a large influence on insurance rates. More rural locations tend to have fewer accident claims than congested cities.
The example below illustrates how geographic area affects insurance prices.
These examples show why everyone should compare rates for a targeted area 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.
Additional Rate Analysis
The chart below shows estimated Lexus ES 300h insurance rates for other coverage scenarios.
- The best full coverage rate is $746
- Drivers who choose higher $1,000 deductibles will pay approximately $178 a year
- The estimated rate for a 40-year-old driver who has $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 up to $2,842 or more
- The cost with full coverage for a teenage driver for full coverage can cost as much as $4,882 a year
Insurance rates for a Lexus ES 300h can also vary considerably based on the trim level of your ES 300h, your driver profile, and liability limits and deductibles.
A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,600 to $2,100 additional per 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 increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Lexus ES 300h insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $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% |
With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, and rates can be significantly different between companies.
| 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
Saving money on auto insurance not only requires having a good driving record, but also having good credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a brief recap of the information presented in the illustrations above.
- Drivers can save approximately $160 per year simply by quoting online well ahead of the renewal date
- Drivers age 20 and younger are expensive to insure, costing as high as $407 per month if they have full coverage
- Increasing deductibles could save up to $525 each year
- Drivers who tend to receive serious violations may pay on average $1,530 more annually to buy Lexus ES 300h insurance
- Consumers who want increased levels of liability coverage will pay around $430 each year to go from a minimum limit to higher 250/500 limits
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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