Lexus ES 300h Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 8, 2024
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Average insurance prices for a Lexus ES 300h are $1,378 every 12 months for full coverage insurance. Comprehensive costs around $290, collision costs $564, and liability insurance is $388. Liability-only coverage costs around $434 a year, with high-risk coverage costing around $2,996. Teenage drivers receive the highest rates at $5,108 a year or more.
Average premium for full coverage: $1,378
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different ES 300h trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $434 for just liability insurance to a much higher rate of $2,996 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates how geographic area affects auto insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than relying on 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.
More Rate Details
The chart below illustrates estimated Lexus ES 300h insurance rates for additional coverage choices and driver risks.
- The best discount rate is $780
- Raising to $1,000 deductibles will save about $194 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,378
- Using more expensive low deductibles increases the price to $1,756
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,996 or more
- The cost to insure a teen driver with full coverage can be $5,108
Car insurance rates for a Lexus ES 300h can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Using high physical damage deductibles can reduce rates by up to $580 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,600 to $2,300 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 129% more than a normal policy. View High Risk Driver Rates
Where you live also has a big influence on Lexus ES 300h insurance rates. A middle-age driver might find rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,860 on average in Michigan, New York, and Florida.
| 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% |
With so much variability in rates, the only way to figure out your exact price is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different.
| 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 Shop for Cheaper Lexus ES 300h Insurance
Saving money on Lexus ES 300h insurance consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a condensed summary of the ideas that were presented in the illustrations above.
- Drivers age 16 to 20 are the costliest to insure, costing up to $426 per month if the policy includes full coverage
- High-risk drivers with multiple at-fault accidents may pay on average $1,620 more every year than a safer driver
- Increasing deductibles could save as much as $575 each year
- It is possible to save up to $170 per year simply by shopping early and online
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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