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 $1,378 a year for full coverage insurance. Comprehensive insurance costs approximately $290 each year, collision costs $564, and liability costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing $2,996 or more. Teen drivers receive the highest rates at $5,108 a year or more.
Average premium for full coverage: $1,378
Rate estimates by individual coverage type:
Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist 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 as low as $434 for just the minimum liability insurance to a high rate of $2,996 for a driver required to buy high-risk insurance.
Price Range by Location
Your location can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than larger metro areas.
The graphic below illustrates how location impacts auto insurance prices.
These examples illustrate why all drivers should compare rates using their specific location and risk profile, 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 Rate Analysis
The chart below illustrates estimated Lexus ES 300h insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $780
- Drivers who choose higher $1,000 deductibles will pay $194 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,378
- Choosing low deductibles for comprehensive and collision insurance will cost an extra $378 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,996 or more
- The cost for full coverage for a 16-year-old driver can cost $5,108 a year
Insurance rates for a Lexus ES 300h can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age
Where you live 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% |
Choosing high deductibles could save up to $580 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $349 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can cost from 45% to 129% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.
| 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 the Best Cheap Lexus ES 300h Insurance
Saving money on insurance for a Lexus ES 300h not only requires being a safe and courteous driver, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around at every policy renewal by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
Below is a quick review of the data touched on above.
- Insureds who purchase higher levels of liability will pay about $430 annually to go from a minimum limit to 250/500 limits
- It is possible to save around $170 per year simply by quoting online in advance
- Increasing deductibles can save around $575 each year
- Teenage drivers are expensive to insure, costing up to $426 per month for full coverage
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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