Lexus ES 300h Insurance Rates
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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
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U.S. average auto insurance rates for a Lexus ES 300h are $1,310 annually for full coverage. Comprehensive insurance costs approximately $278 each year, collision costs $506, and liability is $390. Liability-only coverage costs around $438 a year, with high-risk coverage costing $2,842 or more. Teen drivers pay the highest rates at $4,882 a year or more.
Average premium for full coverage: $1,310
Price estimates by individual coverage:
Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and ES 300h models.
Price Range from Low to High
For a driver around age 40, Lexus ES 300h insurance prices go from as cheap as $438 for liability-only coverage to a high rate of $2,842 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have fewer accident claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above show why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price 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 Charts and Tables
The chart below shows estimated Lexus ES 300h insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $746
- Raising to $1,000 deductibles will save $178 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,310
- Choosing low deductibles costs an additional $346 annually
- Drivers with multiple violations and an at-fault accident could pay around $2,842 or more
- The price with full coverage for a 16-year-old driver can cost $4,882
Auto insurance prices for a Lexus ES 300h are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,600 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $530 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Lexus ES 300h insurance prices. A middle-age driver might find prices as low as $860 a year in states like Iowa, Maine, and Idaho, or as much as $1,870 on average in New York, Louisiana, 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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different between companies.
| 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 Buy Low Cost Lexus ES 300h Insurance
Getting lower rates on insurance for a Lexus ES 300h consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a review of the data that was covered above.
- Drivers can save around $160 per year simply by quoting online in advance
- Insureds who purchase additional liability coverage will pay about $430 each year to raise from a low limit to higher 250/500 limits
- 16 to 18-year-old drivers have the highest car insurance prices, with premiums as much as $407 a month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,530 more per year than a driver with a clean driving record
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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