Lexus ES 300h Insurance Rates
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Michelle Robbins
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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...
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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 with full coverage. Comprehensive insurance costs approximately $278, collision costs $506, and liability is estimated at $390. A liability-only policy costs approximately $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:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different ES 300h trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $438 for just liability insurance to a much higher rate of $2,842 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based 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.
More Rate Details
The chart below details estimated Lexus ES 300h insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $746
- Choosing higher $1,000 deductibles can save $178 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,310
- Selecting more expensive low deductibles for comp and collision coverage will cost an extra $346 annually
- Higher-risk drivers with serious driving violations could pay around $2,842 or more
- The cost for full coverage for a 16-year-old driver with full coverage can cost $4,882 each year
Insurance rates for a Lexus ES 300h can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect 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 prices. A good driver about age 40 could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $530 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges from 43% to 136% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer calculates rates differently, so the rates can be significantly different from one company to the next.
| 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 Affordable Lexus ES 300h Insurance
Saving money on insurance for a Lexus ES 300h takes being a good driver, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The following list is a brief review of the information raised in the charts and tables above.
- You may be able to save around $160 per year simply by shopping early and online
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $407 per month for full coverage
- Increasing deductibles can save around $525 each year
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,530 more per year than a safer driver
- Insureds who purchase an increased level of liability coverage will pay approximately $430 every year to raise limits from a minimum limit to 250/500 limits
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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