Lexus ES 300h Insurance Rates
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Michelle Robbins
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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:
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.
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.
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
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.
| 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% |
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
| 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
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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