Lexus ES 300h Insurance Rates
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UPDATED: Jun 8, 2024
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Estimated insurance rates for a Lexus ES 300h are $1,378 a year for full coverage. Comprehensive costs around $290 each year, collision insurance costs $564, and liability costs around $388. A policy with only liability insurance costs as low as $434 a year, and a high-risk policy costs around $2,996. Teen drivers pay the most at up to $5,108 a year.
Average premium for full coverage: $1,378
Premium estimates for type of coverage:
Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and ES 300h models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Lexus ES 300h range from as low as $434 for the bare minimum liability coverage to a high rate of $2,996 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how your location can change auto insurance rates.
These rate differences show why all drivers should compare prices for a specific zip code and risk profile, instead of using 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 Rate Information
The chart below shows average Lexus ES 300h insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $780
- Using higher $1,000 deductibles will save about $194 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,378
- Choosing low deductibles for physical damage coverage will increase the cost to $1,756
- Drivers with multiple violations and an at-fault accident could pay at least $2,996
- An auto insurance policy for full coverage for a teen driver can be $5,108 or more
Car insurance prices for a Lexus ES 300h also have a wide range based on your driving characteristics, the trim level of your ES 300h, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $5,100 a year. View Rates by Age
Where you choose to live has a huge impact on Lexus ES 300h insurance prices. A driver around age 40 might see prices as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,960 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,244 | -$134 | -9.7% |
Alaska | $1,054 | -$324 | -23.5% |
Arizona | $1,142 | -$236 | -17.1% |
Arkansas | $1,378 | -$0 | 0.0% |
California | $1,568 | $190 | 13.8% |
Colorado | $1,314 | -$64 | -4.6% |
Connecticut | $1,414 | $36 | 2.6% |
Delaware | $1,556 | $178 | 12.9% |
Florida | $1,718 | $340 | 24.7% |
Georgia | $1,272 | -$106 | -7.7% |
Hawaii | $988 | -$390 | -28.3% |
Idaho | $932 | -$446 | -32.4% |
Illinois | $1,024 | -$354 | -25.7% |
Indiana | $1,038 | -$340 | -24.7% |
Iowa | $928 | -$450 | -32.7% |
Kansas | $1,308 | -$70 | -5.1% |
Kentucky | $1,878 | $500 | 36.3% |
Louisiana | $2,038 | $660 | 47.9% |
Maine | $850 | -$528 | -38.3% |
Maryland | $1,138 | -$240 | -17.4% |
Massachusetts | $1,098 | -$280 | -20.3% |
Michigan | $2,390 | $1,012 | 73.4% |
Minnesota | $1,152 | -$226 | -16.4% |
Mississippi | $1,650 | $272 | 19.7% |
Missouri | $1,222 | -$156 | -11.3% |
Montana | $1,478 | $100 | 7.3% |
Nebraska | $1,084 | -$294 | -21.3% |
Nevada | $1,650 | $272 | 19.7% |
New Hampshire | $994 | -$384 | -27.9% |
New Jersey | $1,538 | $160 | 11.6% |
New Mexico | $1,218 | -$160 | -11.6% |
New York | $1,450 | $72 | 5.2% |
North Carolina | $792 | -$586 | -42.5% |
North Dakota | $1,128 | -$250 | -18.1% |
Ohio | $950 | -$428 | -31.1% |
Oklahoma | $1,412 | $34 | 2.5% |
Oregon | $1,260 | -$118 | -8.6% |
Pennsylvania | $1,312 | -$66 | -4.8% |
Rhode Island | $1,836 | $458 | 33.2% |
South Carolina | $1,246 | -$132 | -9.6% |
South Dakota | $1,160 | -$218 | -15.8% |
Tennessee | $1,204 | -$174 | -12.6% |
Texas | $1,660 | $282 | 20.5% |
Utah | $1,018 | -$360 | -26.1% |
Vermont | $940 | -$438 | -31.8% |
Virginia | $824 | -$554 | -40.2% |
Washington | $1,062 | -$316 | -22.9% |
West Virginia | $1,262 | -$116 | -8.4% |
Wisconsin | $950 | -$428 | -31.1% |
Wyoming | $1,224 | -$154 | -11.2% |
Choosing high deductibles could cut prices by as much as $580 every year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 45% to 129% more than average. View High Risk Driver Rates
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Lexus ES 300h | $290 | $564 | $388 | $1,378 |
2017 Lexus ES 300h | $278 | $506 | $390 | $1,310 |
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 Cheaper Lexus ES 300h Insurance
Finding better rates on car insurance requires being a low-risk driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to shop around every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The items below are a condensed summary of the ideas that were illustrated above.
- Teen drivers are the costliest to insure, as much as $426 per month if full coverage is included
- Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,620 more every year to insure their ES 300h
- Increasing policy deductibles can save around $575 each year
- Drivers can save up to $170 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,108 |
20 | $3,192 |
30 | $1,438 |
40 | $1,378 |
50 | $1,256 |
60 | $1,236 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,756 |
$250 | $1,582 |
$500 | $1,378 |
$1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,378 |
50/100 | $1,456 |
100/300 | $1,553 |
250/500 | $1,805 |
100 CSL | $1,494 |
300 CSL | $1,708 |
500 CSL | $1,863 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,314 |
20 | $5,090 |
30 | $3,066 |
40 | $2,996 |
50 | $2,856 |
60 | $2,832 |
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 | $75 |
Multi-vehicle | $73 |
Homeowner | $20 |
5-yr Accident Free | $105 |
5-yr Claim Free | $91 |
Paid in Full/EFT | $65 |
Advance Quote | $70 |
Online Quote | $99 |
Total Discounts | $598 |
Discounts are estimated and may not be available from every company or in every state.
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