Lexus ES 300h Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 8, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average auto insurance rates for a Lexus ES 300h are $1,420 annually for full coverage insurance. Comprehensive insurance costs approximately $302 a year, collision insurance costs $598, and liability coverage costs $384. Liability-only coverage costs as little as $432 a year, and high-risk coverage costs $3,094 or more. Teenage drivers pay the highest rates at up to $5,244 a year.

Average premium for full coverage: $1,420

Price estimates by individual coverage:

Comprehensive $302
Collision $598
Liability $384

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and ES 300h trim levels.

Price Range from Low to High

For a 40-year-old driver, Lexus ES 300h insurance prices range from as cheap as $432 for a discount liability-only rate to a high of $3,094 for a high-risk driver policy.

Liability Only $432
Full Coverage $1,420
High Risk $3,094

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

Rural Areas $1,065
Small Cities $1,491
Large Cities $1,917

The ranges above illustrate why it is important to compare rates using their specific location and their own personal driving habits, rather than using average rates.

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.

Rates by State, City, and Model

The chart below illustrates average Lexus ES 300h insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $798
  • Drivers who choose higher $1,000 deductibles will pay $1,216 each year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,420
  • Using low $100 deductibles for comprehensive and collision insurance costs an additional $400 each year
  • High-risk insureds who are prone to accidents and violations could pay around $3,094
  • The price with full coverage for a teenage driver can cost $5,244 a year

View Chart as Image

Lexus ES 300h insurance cost comparison chart
Column chart showing Lexus ES 300h insurance prices range from $798 to $5,244 for full coverage

Auto insurance prices for a Lexus ES 300h are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $610 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit

The state you live in 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,920 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 $1,282 -$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%

View Chart as Image

Lexus ES 300h insurance rates by U.S. city
Lexus ES 300h Insurance Rates by Model Year
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 Cheaper Lexus ES 300h Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and possibly higher deductibles. Invest the time to shop around every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the information illustrated above.

  • It is possible to save around $180 per year just by quoting early and online
  • Drivers under the age of 20 have the highest car insurance prices, as much as $437 a month if full coverage is included
  • Increasing physical damage deductibles could save up to $600 each year
  • Drivers with multiple at-fault accidents could be forced to pay on average $1,670 more per year to insure a Lexus ES 300h
  • Consumers who purchase increased liability limits will pay an extra $420 annually to go from a low limit to higher 250/500 limits

Rates by Driver Age

Lexus ES 300h Insurance 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

Lexus ES 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,820
$250 $1,634
$500 $1,420
$1,000 $1,216

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 300h Insurance Rates with Different Liability Limits
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

Lexus ES 300h Insurance 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.

SR-22 Surcharge $204

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
Rate after discounts $798

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles