Lexus ES 300h Insurance Rates
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UPDATED: Jun 8, 2024
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Average auto insurance rates for a Lexus ES 300h are $1,378 annually including full coverage. Comprehensive costs around $290 a year, collision insurance costs $564, and liability is estimated at $388. Buying just liability costs approximately $434 a year, and insurance for high-risk drivers costs around $2,996. Teens receive the highest rates at up to $5,108 a year.
Average premium for full coverage: $1,378
Rate estimates for individual coverage type:
These estimates include $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and ES 300h trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $434 for just the minimum liability insurance to a high of $2,996 for high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.
These examples highlight why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using 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 Rate Analysis
The chart below breaks down average Lexus ES 300h insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $780
- Choosing higher $1,000 deductibles can save about $1,184 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,378
- Selecting low $100 deductibles for comp and collision coverage will cost $1,756
- Unlucky drivers with serious driving violations could pay at least $2,996
- The cost with full coverage for a teen driver can be $5,108 each year
Auto insurance rates for a Lexus ES 300h can also vary considerably based on the trim level of your ES 300h, your driving characteristics, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $5,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,600 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 129% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $580 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Lexus ES 300h insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,960 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,244 | -$134 | -9.7% |
| Alaska | $1,054 | -$324 | -23.5% |
| Arizona | $1,142 | -$236 | -17.1% |
| Arkansas | $1,378 | -$0 | 0.0% |
| California | $1,568 | $190 | 13.8% |
| Colorado | $1,314 | -$64 | -4.6% |
| Connecticut | $1,414 | $36 | 2.6% |
| Delaware | $1,556 | $178 | 12.9% |
| Florida | $1,718 | $340 | 24.7% |
| Georgia | $1,272 | -$106 | -7.7% |
| Hawaii | $988 | -$390 | -28.3% |
| Idaho | $932 | -$446 | -32.4% |
| Illinois | $1,024 | -$354 | -25.7% |
| Indiana | $1,038 | -$340 | -24.7% |
| Iowa | $928 | -$450 | -32.7% |
| Kansas | $1,308 | -$70 | -5.1% |
| Kentucky | $1,878 | $500 | 36.3% |
| Louisiana | $2,038 | $660 | 47.9% |
| Maine | $850 | -$528 | -38.3% |
| Maryland | $1,138 | -$240 | -17.4% |
| Massachusetts | $1,098 | -$280 | -20.3% |
| Michigan | $2,390 | $1,012 | 73.4% |
| Minnesota | $1,152 | -$226 | -16.4% |
| Mississippi | $1,650 | $272 | 19.7% |
| Missouri | $1,222 | -$156 | -11.3% |
| Montana | $1,478 | $100 | 7.3% |
| Nebraska | $1,084 | -$294 | -21.3% |
| Nevada | $1,650 | $272 | 19.7% |
| New Hampshire | $994 | -$384 | -27.9% |
| New Jersey | $1,538 | $160 | 11.6% |
| New Mexico | $1,218 | -$160 | -11.6% |
| New York | $1,450 | $72 | 5.2% |
| North Carolina | $792 | -$586 | -42.5% |
| North Dakota | $1,128 | -$250 | -18.1% |
| Ohio | $950 | -$428 | -31.1% |
| Oklahoma | $1,412 | $34 | 2.5% |
| Oregon | $1,260 | -$118 | -8.6% |
| Pennsylvania | $1,312 | -$66 | -4.8% |
| Rhode Island | $1,836 | $458 | 33.2% |
| South Carolina | $1,246 | -$132 | -9.6% |
| South Dakota | $1,160 | -$218 | -15.8% |
| Tennessee | $1,204 | -$174 | -12.6% |
| Texas | $1,660 | $282 | 20.5% |
| Utah | $1,018 | -$360 | -26.1% |
| Vermont | $940 | -$438 | -31.8% |
| Virginia | $824 | -$554 | -40.2% |
| Washington | $1,062 | -$316 | -22.9% |
| West Virginia | $1,262 | -$116 | -8.4% |
| Wisconsin | $950 | -$428 | -31.1% |
| Wyoming | $1,224 | -$154 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus ES 300h | $290 | $564 | $388 | $1,378 |
| 2017 Lexus ES 300h | $278 | $506 | $390 | $1,310 |
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 Cheap Lexus ES 300h Insurance
Saving money on car insurance takes having a good driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every couple of years by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The next list is a brief summary of the material that was touched on above.
- Policyholders who may need increased levels of liability coverage will pay approximately $430 per year to raise limits from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger are expensive to insure, as much as $426 per month if full coverage is included
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,620 more every year to buy Lexus ES 300h insurance
- Increasing deductibles could save up to $575 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,108 |
| 20 | $3,192 |
| 30 | $1,438 |
| 40 | $1,378 |
| 50 | $1,256 |
| 60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,756 |
| $250 | $1,582 |
| $500 | $1,378 |
| $1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,378 |
| 50/100 | $1,456 |
| 100/300 | $1,553 |
| 250/500 | $1,805 |
| 100 CSL | $1,494 |
| 300 CSL | $1,708 |
| 500 CSL | $1,863 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,314 |
| 20 | $5,090 |
| 30 | $3,066 |
| 40 | $2,996 |
| 50 | $2,856 |
| 60 | $2,832 |
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 | $75 |
| Multi-vehicle | $73 |
| Homeowner | $20 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $65 |
| Advance Quote | $70 |
| Online Quote | $99 |
| Total Discounts | $598 |
Discounts are estimated and may not be available from every company or in every state.
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