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...
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UPDATED: Jun 8, 2024
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The average auto insurance rates for a Lexus ES 300h are $1,378 annually for full coverage insurance. Comprehensive costs around $290, collision costs $564, and liability insurance costs $388. Liability-only insurance costs as little as $434 a year, with high-risk driver insurance costing around $2,996. Teens cost the most to insure at $5,108 a year or more.
Average premium for full coverage: $1,378
Policy rates for type of insurance:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all ES 300h models.
Price Range Variability
For the average driver, Lexus ES 300h insurance rates go from as cheap as $434 for your basic liability-only policy to the much higher price of $2,996 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than cities with more traffic congestion.
The example below illustrates how location impacts auto insurance rates.
The examples above illustrate why everyone should compare rates for a specific zip code 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.
More Rate Information
The chart below illustrates estimated Lexus ES 300h insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $780
- Drivers who choose higher $1,000 deductibles will pay about $194 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,378
- Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,756
- High risk drivers with serious driving violations could pay at least $2,996 or more
- Policy cost with full coverage for a teen driver for full coverage can be $5,108 a year
Auto insurance rates for a Lexus ES 300h also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, 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 have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,600 to $2,300 in extra premium every year, depending on your age. Lexus ES 300h insurance for high-risk drivers can cost anywhere from 45% to 129% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $580 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Lexus ES 300h insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,860 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Every company calculates rates differently, and quoted rates will be varied between companies.
| 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 Low Cost Lexus ES 300h Insurance
Finding cheaper rates on Lexus ES 300h insurance not only requires being a good driver, but also having above-average credit, being claim-free, and maximizing policy discounts. Spend time shopping around once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a review of the data that was touched on above.
- It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date
- Drivers who may need an increased level of liability coverage will pay approximately $430 annually to go from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, possibly costing $426 each month if full coverage is included
- High-risk drivers who have several accidents or serious violations pay on average $1,620 more every year than a safer driver
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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