Lexus ES 300h Insurance Rates
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UPDATED: Jun 8, 2024
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The average insurance prices for a Lexus ES 300h are $1,378 every 12 months for full coverage insurance. Comprehensive costs an estimated $290, collision costs $564, and liability costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing around $2,996. Teen drivers cost the most to insure at $5,108 a year or more.
Average premium for full coverage: $1,378
Policy rates broken down by type of insurance:
Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different ES 300h trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Lexus ES 300h insurance rates go from the cheapest price of $434 for liability-only coverage to a much higher rate of $2,996 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how rural and urban location affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of making a decision based 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.
Additional Charts and Tables
The chart below illustrates estimated Lexus ES 300h insurance rates for other coverage scenarios.
- The lowest rate with discounts is $780
- Drivers who choose higher $1,000 deductibles will pay approximately $194 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,378
- Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,756
- Drivers with multiple violations and an at-fault accident could pay up to $2,996 or more
- Policy cost to insure a 16-year-old driver with full coverage can cost as much as $5,108 a year
Insurance rates for a Lexus ES 300h also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Choosing high deductibles could save up to $580 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance can cost from 45% to 129% more than average. View High Risk Driver Rates
Your home state makes a big difference in Lexus ES 300h insurance prices. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,860 on average in Florida, New York, and Michigan.
| 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 which auto insurance is cheapest is to compare rates from multiple companies. Every company uses a different rate calculation, and rates will be varied.
| 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 Shop for Affordable Lexus ES 300h Insurance
Finding cheaper rates on insurance for a Lexus ES 300h not only requires being a good driver, but also having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The following list is a brief review of the data raised in the charts and tables above.
- Insureds who want an increased level of liability coverage will pay about $430 annually to go from a 30/60 limit to a 250/500 level
- It is possible to save approximately $170 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $575 each year
- Drivers age 16 to 20 are expensive to insure, possibly costing $426 each month if full coverage is included
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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