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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Estimated insurance prices for a Lexus ES 300h are $1,310 every 12 months for full coverage insurance. Comprehensive costs an estimated $278 each year, collision costs $506, and liability coverage is estimated at $390. A policy with only liability insurance costs approximately $438 a year, with a high-risk policy costing around $2,842. 16-year-old drivers pay the most at $4,882 a year or more.
Average premium for full coverage: $1,310
Premium estimates broken down by type of coverage:
Prices include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and ES 300h models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Lexus ES 300h go from the cheapest price of $438 for just liability insurance to a high rate of $2,842 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities.
The graphic below illustrates how location impacts insurance prices.
These rate differences illustrate why all drivers should get quotes for a targeted area and their own driving history, rather than using 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.
More Rate Details
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 average price for a 40-year-old good driver who has $500 deductibles is $1,310
- Buying low deductibles for comp and collision coverage increases the price to $1,656
- Drivers with multiple tickets or accidents could pay up to $2,842 or more
- An auto insurance policy to insure a teenage driver can cost as much as $4,882 each year
Car insurance prices for a Lexus ES 300h also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $530 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,600 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 136% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Lexus ES 300h insurance rates. 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.
| 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% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different.
| 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 Right Lexus ES 300h Insurance
Finding better rates on auto insurance takes being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Spend time shopping around once a year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a quick rundown of the data that was touched on above.
- It is possible to save approximately $160 per year simply by quoting online in advance
- Consumers who want more liability coverage will pay around $430 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teen drivers have the highest car insurance prices, with premiums being up to $407 per month if the policy includes full coverage
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,530 more annually to insure their ES 300h
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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