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...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
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Average auto insurance rates for a Lexus ES 300h are $1,310 annually with full coverage. Comprehensive insurance costs approximately $278, collision costs $506, and liability insurance costs around $390. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing $2,842 or more. Teens receive the highest rates at $4,882 a year or more.
Average premium for full coverage: $1,310
Rate estimates by individual coverage type:
Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different ES 300h trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $438 for liability-only coverage to a much higher rate of $2,842 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a significant impact on the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion.
The price range example below illustrates how geographic area affects auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying 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.
Additional Charts and Tables
The chart below details estimated Lexus ES 300h insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $746
- Using higher $1,000 deductibles will save $178 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,310
- Selecting more expensive low deductibles for physical damage coverage costs an additional $346 a year
- Drivers with serious driving violations could pay around $2,842 or more
- The cost with full coverage for a teen driver with full coverage can cost $4,882 or more
Car insurance rates for a Lexus ES 300h can also vary considerably based on the trim level of your ES 300h, your driving record, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,100 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $530 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Lexus ES 300h insurance rates. A driver around age 40 might see rates as low as $940 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,770 on average in New York, Michigan, and Florida.
| 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 best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Each insurance company calculates rates differently, so rate quotes 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 Cheap Lexus ES 300h Insurance
Saving money on Lexus ES 300h insurance requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The items below are a quick review of the data that was presented in the illustrations above.
- You may be able to save around $160 per year simply by shopping early and online
- Drivers who purchase more liability coverage will pay approximately $430 every year to increase from a minimum limit to higher 250/500 limits
- Teen drivers pay the highest auto insurance rates, with premiums as much as $407 per month if comprehensive and collision insurance is included
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,530 more per year to insure their ES 300h
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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