Lexus ES 300h Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
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U.S. average insurance prices for a Lexus ES 300h are $1,310 every 12 months with full coverage. Comprehensive costs an estimated $278 each year, collision insurance costs $506, and liability is estimated at $390. A policy with just liability insurance costs approximately $438 a year, and coverage for high-risk drivers costs around $2,842. Teens pay the highest rates at up to $4,882 a year.
Average premium for full coverage: $1,310
Price estimates broken down by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and ES 300h models.
Price Range from Low to High
For a driver in their 40's, Lexus ES 300h insurance prices range from the cheapest price of $438 for minimum levels of liability insurance to a high rate of $2,842 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine insurance prices.
The ranges above demonstrate why all drivers should get quotes for a targeted area and their own driving history, instead of making a decision based 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.
Additional Rate Details
The chart below details average Lexus ES 300h insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $746
- Choosing higher $1,000 deductibles can save approximately $178 annually
- The average price for the average middle-age driver who has $500 deductibles is $1,310
- Selecting low deductibles for comp and collision coverage increases the price to $1,656
- Higher-risk drivers with serious driving violations could pay up to $2,842
- The price to insure a 16-year-old driver can cost as much as $4,882 each year
Insurance prices for a Lexus ES 300h are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $530 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $1,600 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 136% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Lexus ES 300h insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,770 on average in New York, Michigan, and Florida.
| 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% |
| 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 Shop for the Best Lexus ES 300h Insurance
Getting lower rates on insurance for a Lexus ES 300h takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief recap of the data covered in the charts and tables above.
- Insureds who want higher liability limits will pay approximately $430 every year to raise limits from a low limit to a 250/500 level
- You may be able to save approximately $160 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $525 each year
- Teenagers are charged the highest prices, costing up to $407 a month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,656 |
| $250 | $1,496 |
| $500 | $1,310 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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