Lexus ES 300h Insurance Rates

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UPDATED: Jun 8, 2024

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The average insurance rates for a Lexus ES 300h are $1,310 a year with full coverage. Comprehensive costs approximately $278, collision insurance costs $506, and liability insurance costs $390. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs around $2,842. 16-year-old drivers cost the most to insure at up to $4,882 a year.

Average premium for full coverage: $1,310

Policy rates by type of insurance:

Comprehensive $278
Collision $506
Liability $390

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different ES 300h trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Lexus ES 300h insurance rates range from as low as $438 for minimum levels of liability insurance to a much higher rate of $2,842 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

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

The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying 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.

Additional Rate Details

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

  • The best full coverage rate is $746
  • Drivers who choose higher $1,000 deductibles will pay $178 annually
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,310
  • Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,656
  • High risk drivers with multiple tickets or accidents could pay around $2,842
  • Policy cost for full coverage for a teen driver with full coverage can cost $4,882 a year

View Chart as Image

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

Auto insurance rates for a Lexus ES 300h also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

Your home state makes a big difference in Lexus ES 300h insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or at least $1,770 on average in New York, Michigan, and Florida.

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 could save up to $530 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates

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 Cheaper Lexus ES 300h Insurance

Finding cheaper rates on Lexus ES 300h insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and possibly higher deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the ideas that were raised in the charts and tables above.

  • Teen drivers have the highest car insurance rates, as much as $407 each month if they have full coverage
  • High-risk drivers with multiple at-fault accidents pay on average $1,530 more per year to insure their ES 300h
  • Increasing comprehensive and collision deductibles can save around $525 each year
  • You may be able to save around $160 per year just by shopping early and online

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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