Lexus ES 300h Insurance Rates

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UPDATED: Jun 8, 2024

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Average insurance rates for a Lexus ES 300h are $1,310 a year for full coverage. Comprehensive insurance costs approximately $278 a year, collision costs $506, and liability insurance costs $390. A liability-only policy costs as little as $438 a year, with high-risk insurance costing $2,842 or more. Teens receive the highest rates at $4,882 a year or more.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

Comprehensive $278
Collision $506
Liability $390

Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and ES 300h trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from the low end price of $438 for just liability coverage to a high of $2,842 for a driver who has had serious violations or accidents.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance prices.

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

These examples show why it is important to compare rates using their specific location, 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.

Detailed Rate Analysis

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

  • The cheapest rate after discounts is $746
  • Drivers who choose higher $1,000 deductibles will pay $1,132 a year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,310
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $346 a year
  • High risk drivers with serious driving violations could pay around $2,842 or more
  • The cost that insures a teen driver can cost $4,882 a year

View Chart as Image

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

Insurance rates for a Lexus ES 300h can also vary considerably based on the trim level of your ES 300h, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,600 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,800 a year. View Rates by Age

Where you live makes a big difference in Lexus ES 300h insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,870 on average in New York, Louisiana, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $530 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Every company calculates rates differently, so the rates can be significantly different.

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 the Best Cheap Lexus ES 300h Insurance

Saving money on Lexus ES 300h insurance not only requires having a good driving record, but also having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Compare rates every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick review of the ideas that were raised in the charts and tables above.

  • Drivers age 20 and younger are expensive to insure, costing as high as $407 per month if full coverage is included
  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,530 more per year to buy Lexus ES 300h insurance
  • Increasing deductibles can save approximately $525 each year
  • Drivers can save around $160 per year simply by quoting 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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