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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Estimated auto insurance rates for a Lexus ES 300h are $1,310 annually for full coverage insurance. Comprehensive costs around $278, collision insurance costs $506, and liability insurance costs $390. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs around $2,842. Teen drivers pay the most at up to $4,882 a year.
Average premium for full coverage: $1,310
Premium estimates for type of coverage:
Prices include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all ES 300h models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Lexus ES 300h range from as cheap as $438 for a discount liability-only rate to the much higher price of $2,842 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance rates.
These rate differences illustrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than relying on price 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.
Rates by State, City, and Model
The chart below illustrates average Lexus ES 300h insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $746
- Drivers who choose higher $1,000 deductibles will pay about $178 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,310
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,656
- High risk drivers with multiple violations and an at-fault accident could pay at least $2,842
- An auto insurance policy with full coverage for a teen driver for full coverage can be $4,882 a year
Insurance prices for a Lexus ES 300h also have a wide range based on the model of your ES 300h, your risk profile, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,600 to $2,100 extra annually, depending on your age. Lexus ES 300h insurance for high-risk drivers can cost anywhere from 43% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $530 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit
Where you choose to 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 Vermont, Wisconsin, and North Carolina, or as much as $1,770 on average in Michigan, New York, 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% |
| 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 Right Lexus ES 300h Insurance
Finding better rates on Lexus ES 300h insurance not only requires not taking risks behind the wheel, but also having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to compare rates at least once a year by getting quotes from direct insurance companies, and also from several local insurance agents.
The following is a quick rundown of the primary concepts that were covered in the above illustrations.
- It is possible to save up to $160 per year just by quoting online well ahead of the renewal date
- High-risk drivers with reckless driving or DUI convictions pay on average $1,530 more every year for ES 300h insurance
- Increasing policy deductibles could save up to $525 each year
- Teens pay higher prices, with premiums being up to $407 per month including comprehensive and collision insurance
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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