Lexus ES 300h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
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UPDATED: Jun 8, 2024
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Average insurance prices for a Lexus ES 300h are $1,310 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $278, collision insurance costs $506, and liability is $390. A liability-only policy costs around $438 a year, and high-risk insurance costs $2,842 or more. Teens receive the highest rates at up to $4,882 a year.
Average premium for full coverage: $1,310
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for all ES 300h models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the cheapest price of $438 for just liability insurance to the much higher price of $2,842 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.
These examples illustrate why everyone should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.
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 Details
The chart below illustrates average Lexus ES 300h insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $746
- Raising to $1,000 deductibles will save approximately $178 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,310
- Selecting pricier low deductibles costs an extra $346 annually
- Drivers with serious driving violations could pay up to $2,842
- The cost to insure a 16-year-old driver for full coverage can cost as much as $4,882
Insurance rates for a Lexus ES 300h can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $530 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,600 to $2,100 extra per year, depending on your age. Lexus ES 300h insurance for high-risk drivers is expensive and can cost from 43% to 136% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Lexus ES 300h insurance prices. A middle-age driver might find rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,770 on average in Florida, New York, 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% |
| 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 Shop for the Best Lexus ES 300h Insurance
Saving money on insurance for a Lexus ES 300h consists of being a good driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following list is a brief recap of the concepts that were touched on in this article.
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,530 more annually than a safer driver
- Drivers age 16 to 20 are charged the highest rates, costing up to $407 per month if they have full coverage
- It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $525 each year
- It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date
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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