Lexus ES 300h Insurance Rates
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UPDATED: Jun 8, 2024
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Estimated auto insurance rates for a Lexus ES 300h are $1,420 annually for full coverage insurance. Comprehensive insurance costs around $302 a year, collision costs $598, and liability insurance costs $384. A policy with only liability insurance costs as little as $432 a year, with a high-risk policy costing $3,094 or more. Teens pay the most at $5,244 a year or more.
Average premium for full coverage: $1,420
Premium estimates for type of coverage:
Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and ES 300h trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lexus ES 300h go from as cheap as $432 for your basic liability-only policy to a high of $3,094 for a high-risk driver policy.
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 cities with more traffic congestion.
The diagram below illustrates how location impacts auto insurance rates.
These rate differences illustrate why it is important to 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 $798
- Drivers who choose higher $1,000 deductibles will pay about $1,216 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,420
- Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $400 a year
- High risk drivers with serious driving violations could pay at least $3,094 or more
- An auto insurance policy with full coverage for a teen driver can be $5,244 a year
Car 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.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $610 each year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 extra every 12 months. 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 $930 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,920 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,282 | -$138 | -9.7% |
| Alaska | $1,088 | -$332 | -23.4% |
| Arizona | $1,176 | -$244 | -17.2% |
| Arkansas | $1,420 | -$0 | 0.0% |
| California | $1,618 | $198 | 13.9% |
| Colorado | $1,354 | -$66 | -4.6% |
| Connecticut | $1,458 | $38 | 2.7% |
| Delaware | $1,606 | $186 | 13.1% |
| Florida | $1,774 | $354 | 24.9% |
| Georgia | $1,312 | -$108 | -7.6% |
| Hawaii | $1,022 | -$398 | -28.0% |
| Idaho | $962 | -$458 | -32.3% |
| Illinois | $1,058 | -$362 | -25.5% |
| Indiana | $1,072 | -$348 | -24.5% |
| Iowa | $958 | -$462 | -32.5% |
| Kansas | $1,348 | -$72 | -5.1% |
| Kentucky | $1,936 | $516 | 36.3% |
| Louisiana | $2,102 | $682 | 48.0% |
| Maine | $876 | -$544 | -38.3% |
| Maryland | $1,172 | -$248 | -17.5% |
| Massachusetts | $1,132 | -$288 | -20.3% |
| Michigan | $2,466 | $1,046 | 73.7% |
| Minnesota | $1,192 | -$228 | -16.1% |
| Mississippi | $1,702 | $282 | 19.9% |
| Missouri | $1,260 | -$160 | -11.3% |
| Montana | $1,524 | $104 | 7.3% |
| Nebraska | $1,118 | -$302 | -21.3% |
| Nevada | $1,702 | $282 | 19.9% |
| New Hampshire | $1,024 | -$396 | -27.9% |
| New Jersey | $1,586 | $166 | 11.7% |
| New Mexico | $1,256 | -$164 | -11.5% |
| New York | $1,494 | $74 | 5.2% |
| North Carolina | $816 | -$604 | -42.5% |
| North Dakota | $1,164 | -$256 | -18.0% |
| Ohio | $978 | -$442 | -31.1% |
| Oklahoma | $1,456 | $36 | 2.5% |
| Oregon | $1,302 | -$118 | -8.3% |
| Pennsylvania | $1,352 | -$68 | -4.8% |
| Rhode Island | $1,894 | $474 | 33.4% |
| South Carolina | $1,288 | -$132 | -9.3% |
| South Dakota | $1,200 | -$220 | -15.5% |
| Tennessee | $1,242 | -$178 | -12.5% |
| Texas | $1,712 | $292 | 20.6% |
| Utah | $1,050 | -$370 | -26.1% |
| Vermont | $970 | -$450 | -31.7% |
| Virginia | $850 | -$570 | -40.1% |
| Washington | $1,096 | -$324 | -22.8% |
| West Virginia | $1,302 | -$118 | -8.3% |
| Wisconsin | $982 | -$438 | -30.8% |
| Wyoming | $1,266 | -$154 | -10.8% |
With such a large range in prices, the only way to figure out your exact price is to get quotes from as many companies as possible. Every company calculates prices differently, so rate quotes will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Lexus ES 300h | $302 | $598 | $384 | $1,420 |
| 2017 Lexus ES 300h | $290 | $564 | $388 | $1,378 |
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 Affordable Lexus ES 300h Insurance
Finding better rates on Lexus ES 300h insurance not only requires being a safe and courteous driver, but also having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by getting quotes from direct insurance companies, and also from several local insurance agents.
Below is a brief review of the information touched on above.
- It is possible to save up to $180 per year simply by quoting early and online
- Teenage drivers are the costliest to insure, with premiums being up to $437 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save up to $600 each year
- High-risk drivers with DUI or reckless driving convictions pay on average $1,670 more every year for auto insurance
- Drivers who may need higher levels of liability will pay approximately $420 annually to go from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,244 |
| 20 | $3,296 |
| 30 | $1,486 |
| 40 | $1,420 |
| 50 | $1,300 |
| 60 | $1,276 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,820 |
| $250 | $1,634 |
| $500 | $1,420 |
| $1,000 | $1,216 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,420 |
| 50/100 | $1,497 |
| 100/300 | $1,593 |
| 250/500 | $1,842 |
| 100 CSL | $1,535 |
| 300 CSL | $1,746 |
| 500 CSL | $1,900 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,520 |
| 20 | $5,256 |
| 30 | $3,168 |
| 40 | $3,094 |
| 50 | $2,950 |
| 60 | $2,926 |
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 | $77 |
| Multi-vehicle | $76 |
| Homeowner | $21 |
| 5-yr Accident Free | $110 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $68 |
| Advance Quote | $73 |
| Online Quote | $103 |
| Total Discounts | $622 |
Discounts are estimated and may not be available from every company or in every state.
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