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 insurance. Comprehensive costs approximately $278, collision insurance costs $506, and liability coverage is estimated at $390. Buying just liability costs approximately $438 a year, and insurance for high-risk drivers costs around $2,842. 16-year-old drivers receive the highest rates at up to $4,882 a year.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

Comprehensive $278
Collision $506
Liability $390

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different ES 300h trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from as low as $438 for minimum levels of liability insurance to a much higher rate of $2,842 for a high-risk insurance policy.

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

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

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

These examples illustrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, 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.

Additional Rate Details

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

  • The best full coverage rate is $746
  • Choosing higher $1,000 deductibles can save $178 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,310
  • Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,656
  • Drivers with multiple tickets or accidents could pay around $2,842
  • The cost for full coverage for a teenage driver with full coverage can cost $4,882 each year

View Chart as Image

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

Auto insurance rates for a Lexus ES 300h can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $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 at least $1,770 on average in Florida, New York, 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

Opting for high physical damage deductibles can save as much as $530 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance ranges around 43% to 136% more than the average rate. View High Risk Driver Rates

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 Cheap Lexus ES 300h Insurance

Saving money on auto insurance takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The points below are a brief summary of the car insurance concepts covered above.

  • Drivers that tend to have accidents or serious violations may pay on average $1,530 more per year to insure a Lexus ES 300h
  • It is possible to save around $160 per year just by shopping early and online
  • Increasing deductibles can save around $525 each year
  • Consumers who purchase increased liability limits will pay around $430 annually to raise limits from a minimum limit to 250/500 limits

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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