Lexus ES 300h Insurance Rates

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Save on 2017 Lexus ES 300h Car Insurance Rates in 2025

Drivers have a choice when trying to find the best price on Lexus ES 300h insurance. They can either spend hours driving around to get rate comparisons or use the internet to compare rates. There are both good and bad ways to buy auto insurance and you need to know the absolute fastest way to get price quotes on a Lexus and find the lowest price either online or from local insurance agents. If you...

Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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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 for full coverage insurance. Comprehensive insurance costs around $290 each year, collision costs $564, and liability coverage is $388. Buying just liability costs around $434 a year, with insurance for high-risk drivers costing $2,996 or more. Teenage drivers receive the highest rates at $5,108 a year or more.

Average premium for full coverage: $1,378

Rate estimates for individual coverage type:

Comprehensive $290
Collision $564
Liability $388

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and ES 300h models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $434 for minimum levels of liability insurance to a high rate of $2,996 for a driver who has had serious violations or accidents.

Liability Only $434
Full Coverage $1,378
High Risk $2,996

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

These examples illustrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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 Details

The chart below illustrates estimated Lexus ES 300h insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $780
  • Raising to $1,000 deductibles will save about $194 each year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,378
  • Using low deductibles costs an additional $378 each year
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,996 or more
  • The cost with full coverage for a teenage driver can be $5,108

View Chart as Image

Lexus ES 300h insurance cost comparison chart
Column chart showing full coverage Lexus ES 300h insurance prices range from $780 to $5,108

Auto insurance rates for a Lexus ES 300h can also vary considerably based on the trim level of your ES 300h, your risk profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,300 every 12 months 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 probably paying at least $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $580 a year, whereas increasing liability limits will increase rates. Switching 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 also has a big influence on Lexus ES 300h insurance rates. A middle-age driver might find rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,860 on average in Michigan, New York, and Florida.

Lexus ES 300h Insurance Rates by State
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%

View Chart as Image

Lexus ES 300h insurance rates by U.S. city

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

Lexus ES 300h Insurance Rates by Model Year
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 More Affordable Lexus ES 300h Insurance

Saving money on auto insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a summary of the ideas that were raised in the charts and tables above.

  • 16 to 18-year-old drivers are expensive to insure, costing up to $426 per month if full coverage is included
  • Drivers who have multiple accidents or major violations pay on average $1,620 more every year than a driver with a clean driving record
  • Increasing deductibles could save up to $575 each year
  • It is possible to save up to $170 per year simply by quoting online in advance

Rates by Driver Age

Lexus ES 300h Insurance 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

Lexus ES 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,756
$250 $1,582
$500 $1,378
$1,000 $1,184

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 300h Insurance Rates with Different Liability Limits
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

Lexus ES 300h Insurance 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.

SR-22 Surcharge $197

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
Rate after discounts $780

Discounts are estimated and may not be available from every company or in every state.

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