Lexus ES 300h Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage insurance. Comprehensive costs an estimated $278 a year, collision costs $506, and liability insurance is estimated at $390. A policy with just liability insurance costs approximately $438 a year, with coverage for high-risk drivers costing around $2,842. Teens receive the highest rates at $4,882 a year or more.
Average premium for full coverage: $1,310
Rate estimates broken down by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and ES 300h trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from the low end price of $438 for liability-only coverage to a high of $2,842 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects insurance prices.
These examples illustrate why it is important to get quotes for a targeted area, rather than relying 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 Charts and Tables
The chart below illustrates estimated Lexus ES 300h insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $746
- Choosing higher $1,000 deductibles can save approximately $1,132 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,310
- Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,656
- High-risk insureds with serious driving violations could pay up to $2,842 or more
- The cost that insures a teen driver can cost as much as $4,882 each year
Insurance rates for a Lexus ES 300h can also vary considerably based on the trim level of your ES 300h, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,600 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age
Where you 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 have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $530 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, and rates can be significantly 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 Find Cheap Lexus ES 300h Insurance
Saving money on Lexus ES 300h insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following items are a brief summary of the information presented in the illustrations above.
- It is possible to save approximately $160 per year simply by quoting early and online
- 16 to 18-year-old drivers are expensive to insure, costing up to $407 per month if comprehensive and collision insurance is included
- Increasing deductibles can save approximately $525 each year
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,530 more annually than a driver with a clean driving record
- Drivers who want additional liability coverage will pay approximately $430 annually to raise limits from a minimum limit to the 250/500 level
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
