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...
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UPDATED: Jun 8, 2024
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Estimated 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 is estimated at $390. A policy with only liability insurance costs approximately $438 a year, and a high-risk policy costs around $2,842. Teens pay the most at up to $4,882 a year.
Average premium for full coverage: $1,310
Premium estimates by type of coverage:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different ES 300h trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Lexus ES 300h range from as low as $438 for minimum levels of liability insurance to a much higher rate of $2,842 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance prices.
These rate differences illustrate 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.
Additional Rate Details
The chart below illustrates average 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 each year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,310
- Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,656
- Higher-risk drivers with serious driving violations could pay around $2,842
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost $4,882 each year
Car insurance prices for a Lexus ES 300h also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $4,800 a year. View Rates by Age
Where you choose to 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 $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 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,100 extra annually, depending on your age. High-risk driver insurance ranges from 43% to 136% more than the average policy. View High Risk Driver Rates
| 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 Cheapest Lexus ES 300h Insurance
Finding better rates on insurance for a Lexus ES 300h takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to shop around at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a recap of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk that have major violations or accidents may pay on average $1,530 more per year than a low-risk driver
- Youthful drivers pay the highest auto insurance prices, with premiums being up to $407 per month if full coverage is included
- It is possible to save around $160 per year just by shopping early and online
- Increasing policy deductibles can save around $525 each year
- It is possible to save around $160 per year just by shopping early and online
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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