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...

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UPDATED: Jun 8, 2024

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Estimated insurance rates for a Lexus ES 300h are $1,378 a year for full coverage. Comprehensive costs around $290, collision insurance costs $564, and liability costs $388. A liability-only policy costs as little as $434 a year, and high-risk insurance costs around $2,996. Teens pay the most at up to $5,108 a year.

Average premium for full coverage: $1,378

Premium estimates for type of coverage:

Comprehensive $290
Collision $564
Liability $388

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different ES 300h trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Lexus ES 300h range from as low as $434 for basic liability insurance to a much higher 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

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance rates.

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

These rate differences show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of using 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.

Rate Comparisons

The chart below shows average 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 a year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,378
  • Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,756
  • Higher-risk drivers with serious driving violations could pay at least $2,996
  • An auto insurance policy for full coverage for a teen driver with full coverage can be $5,108 a year

View Chart as Image

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

Auto insurance prices for a Lexus ES 300h also have a wide range based on your driving characteristics, the trim level of your ES 300h, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may 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 good drivers will have to pay as much as $5,100 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus ES 300h insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,960 on average in Michigan, Louisiana, and New York.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $580 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,600 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 45% to 129% more than the average policy. View High Risk Driver Rates

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 Find Affordable Lexus ES 300h Insurance

Finding better rates on car insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The items below are a brief review of the ideas that were covered in the charts and tables above.

  • Teen drivers are expensive to insure, as much as $426 per month if they have full coverage
  • Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,620 more every year to insure their ES 300h
  • Increasing policy deductibles can save around $575 each year
  • Drivers can save up to $170 per year just by shopping early and online

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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