Lexus ES 300h Insurance Rates

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UPDATED: Jun 8, 2024

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Average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage insurance. Comprehensive insurance costs an estimated $278 each year, collision costs $506, and liability is estimated at $390. A liability-only policy costs approximately $438 a year, with high-risk insurance costing $2,842 or more. 16-year-old drivers receive the highest rates at $4,882 a year or more.

Average premium for full coverage: $1,310

Rate estimates broken down by individual coverage type:

Comprehensive $278
Collision $506
Liability $390

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and ES 300h models.

Price Range by Coverage and Risk

For the average driver, prices range go from the low end price of $438 for basic liability insurance to a high rate of $2,842 for a driver who requires high-risk insurance.

Liability Only $438
Full Coverage $1,310
High Risk $2,842

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how location impacts insurance prices.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

These examples illustrate why all drivers should get quotes for a targeted area, instead of making a decision based on rate 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.

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Rate Comparisons

The chart below illustrates estimated Lexus ES 300h insurance rates for other coverage scenarios.

  • The best full coverage rate is $746
  • Choosing higher $1,000 deductibles can save approximately $178 each year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,310
  • Buying low deductibles for comp and collision coverage will cost an additional $346 annually
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,842 or more
  • The cost that insures a 16-year-old driver can cost as much as $4,882 each year

View Chart as Image

Lexus ES 300h insurance cost comparison chart
Column chart showing full coverage Lexus ES 300h insurance prices range from $746 to $4,882

Insurance rates for a Lexus ES 300h can also vary considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,600 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges from 43% to 136% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus ES 300h insurance prices. A good driver about age 40 could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,770 on average in Florida, New York, and Michigan.

Lexus ES 300h Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,184 -$126 -9.6%
Alaska $1,006 -$304 -23.2%
Arizona $1,086 -$224 -17.1%
Arkansas $1,310 -$0 0.0%
California $1,494 $184 14.0%
Colorado $1,250 -$60 -4.6%
Connecticut $1,346 $36 2.7%
Delaware $1,480 $170 13.0%
Florida $1,636 $326 24.9%
Georgia $1,212 -$98 -7.5%
Hawaii $942 -$368 -28.1%
Idaho $886 -$424 -32.4%
Illinois $976 -$334 -25.5%
Indiana $988 -$322 -24.6%
Iowa $884 -$426 -32.5%
Kansas $1,244 -$66 -5.0%
Kentucky $1,788 $478 36.5%
Louisiana $1,938 $628 47.9%
Maine $810 -$500 -38.2%
Maryland $1,082 -$228 -17.4%
Massachusetts $1,044 -$266 -20.3%
Michigan $2,274 $964 73.6%
Minnesota $1,098 -$212 -16.2%
Mississippi $1,570 $260 19.8%
Missouri $1,162 -$148 -11.3%
Montana $1,406 $96 7.3%
Nebraska $1,032 -$278 -21.2%
Nevada $1,570 $260 19.8%
New Hampshire $944 -$366 -27.9%
New Jersey $1,462 $152 11.6%
New Mexico $1,158 -$152 -11.6%
New York $1,378 $68 5.2%
North Carolina $756 -$554 -42.3%
North Dakota $1,074 -$236 -18.0%
Ohio $902 -$408 -31.1%
Oklahoma $1,344 $34 2.6%
Oregon $1,200 -$110 -8.4%
Pennsylvania $1,248 -$62 -4.7%
Rhode Island $1,746 $436 33.3%
South Carolina $1,188 -$122 -9.3%
South Dakota $1,104 -$206 -15.7%
Tennessee $1,146 -$164 -12.5%
Texas $1,580 $270 20.6%
Utah $970 -$340 -26.0%
Vermont $896 -$414 -31.6%
Virginia $784 -$526 -40.2%
Washington $1,010 -$300 -22.9%
West Virginia $1,202 -$108 -8.2%
Wisconsin $904 -$406 -31.0%
Wyoming $1,166 -$144 -11.0%

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $530 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, so the rates can be significantly different.

Lexus ES 300h Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Lexus ES 300h $278 $506 $390 $1,310
2017 Lexus ES 300h $260 $466 $390 $1,252

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 the Best Lexus ES 300h Insurance

Saving money on insurance for a Lexus ES 300h takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a brief recap of the concepts that were touched on above.

  • Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,530 more annually to buy Lexus ES 300h insurance
  • Drivers age 20 and younger are charged the highest rates, costing up to $407 per month if full coverage is included
  • It is possible to save approximately $160 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $525 each year
  • It is possible to save approximately $160 per year simply by quoting online in advance

Rates by Driver Age

Lexus ES 300h Insurance Rates by Driver Age
Driver Age Premium
16 $4,882
20 $3,024
30 $1,368
40 $1,310
50 $1,198
60 $1,176

Full coverage, $500 deductibles

Rates by Deductible

Lexus ES 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,656
$250 $1,496
$500 $1,310
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 300h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,310
50/100 $1,388
100/300 $1,486
250/500 $1,739
100 CSL $1,427
300 CSL $1,642
500 CSL $1,798

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus ES 300h Insurance Rates for High Risk Drivers
Age Premium
16 $6,978
20 $4,820
30 $2,906
40 $2,842
50 $2,712
60 $2,688

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 $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $98
5-yr Claim Free $86
Paid in Full/EFT $61
Advance Quote $66
Online Quote $94
Total Discounts $564
Rate after discounts $746

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

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