Lexus ES 300h Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 8, 2024

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Estimated insurance rates for a Lexus ES 300h are $1,420 a year with full coverage. Comprehensive costs an estimated $302 each year, collision costs $598, and liability costs $384. A policy with only liability insurance costs as little as $432 a year, with a high-risk policy costing around $3,094. Teenage drivers pay the most at $5,244 a year or more.

Average premium for full coverage: $1,420

Premium estimates broken down by type of coverage:

Comprehensive $302
Collision $598
Liability $384

Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and ES 300h models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Lexus ES 300h go from the low end price of $432 for basic liability insurance to a high rate of $3,094 for a high-risk insurance policy.

Liability Only $432
Full Coverage $1,420
High Risk $3,094

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

Rural Areas $1,065
Small Cities $1,491
Large Cities $1,917

These rate differences demonstrate why all drivers should compare rates for a targeted area, instead of making a decision based on average rates.

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.

Rate Comparisons

The chart below details estimated Lexus ES 300h insurance rates for other coverage scenarios.

  • The best discount rate is $798
  • Drivers who choose higher $1,000 deductibles will pay approximately $204 annually
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,420
  • Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,820
  • Drivers who are prone to accidents and violations could pay up to $3,094 or more
  • An auto insurance policy that insures a 16-year-old driver can cost as much as $5,244 a year

View Chart as Image

Lexus ES 300h insurance cost comparison chart
Column chart showing full coverage Lexus ES 300h insurance rates range from $798 to $5,244

Car insurance prices for a Lexus ES 300h also have a wide range based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus ES 300h insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,920 on average in New York, Michigan, and Florida.

Lexus ES 300h Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,282 -$138 -9.7%
Alaska $1,088 -$332 -23.4%
Arizona $1,176 -$244 -17.2%
Arkansas $1,420 -$0 0.0%
California $1,618 $198 13.9%
Colorado $1,354 -$66 -4.6%
Connecticut $1,458 $38 2.7%
Delaware $1,606 $186 13.1%
Florida $1,774 $354 24.9%
Georgia $1,312 -$108 -7.6%
Hawaii $1,022 -$398 -28.0%
Idaho $962 -$458 -32.3%
Illinois $1,058 -$362 -25.5%
Indiana $1,072 -$348 -24.5%
Iowa $958 -$462 -32.5%
Kansas $1,348 -$72 -5.1%
Kentucky $1,936 $516 36.3%
Louisiana $2,102 $682 48.0%
Maine $876 -$544 -38.3%
Maryland $1,172 -$248 -17.5%
Massachusetts $1,132 -$288 -20.3%
Michigan $2,466 $1,046 73.7%
Minnesota $1,192 -$228 -16.1%
Mississippi $1,702 $282 19.9%
Missouri $1,260 -$160 -11.3%
Montana $1,524 $104 7.3%
Nebraska $1,118 -$302 -21.3%
Nevada $1,702 $282 19.9%
New Hampshire $1,024 -$396 -27.9%
New Jersey $1,586 $166 11.7%
New Mexico $1,256 -$164 -11.5%
New York $1,494 $74 5.2%
North Carolina $816 -$604 -42.5%
North Dakota $1,164 -$256 -18.0%
Ohio $978 -$442 -31.1%
Oklahoma $1,456 $36 2.5%
Oregon $1,302 -$118 -8.3%
Pennsylvania $1,352 -$68 -4.8%
Rhode Island $1,894 $474 33.4%
South Carolina $1,288 -$132 -9.3%
South Dakota $1,200 -$220 -15.5%
Tennessee $1,242 -$178 -12.5%
Texas $1,712 $292 20.6%
Utah $1,050 -$370 -26.1%
Vermont $970 -$450 -31.7%
Virginia $850 -$570 -40.1%
Washington $1,096 -$324 -22.8%
West Virginia $1,302 -$118 -8.3%
Wisconsin $982 -$438 -30.8%
Wyoming $1,266 -$154 -10.8%

View Chart as Image

Lexus ES 300h insurance rates by U.S. city

Using high physical damage deductibles could save up to $610 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, so rate quotes will be substantially different.

Lexus ES 300h Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Lexus ES 300h $302 $598 $384 $1,420
2017 Lexus ES 300h $290 $564 $388 $1,378

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 Right Lexus ES 300h Insurance

Finding better rates on insurance for a Lexus ES 300h not only requires being safe and accident-free, but also having a positive credit history, being claim-free, and not having any coverage lapses. Compare prices at least every other year by requesting quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a quick rundown of the car insurance concepts covered in the charts and tables above.

  • Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,670 more annually than a low-risk driver
  • You may be able to save approximately $180 per year simply by quoting online in advance
  • Increasing policy deductibles can save approximately $600 each year
  • Insureds who want more liability protection will pay an extra $420 every year to go from 30/60 bodily injury limits to the 250/500 level

Rates by Driver Age

Lexus ES 300h Insurance Rates by Driver Age
Driver Age Premium
16 $5,244
20 $3,296
30 $1,486
40 $1,420
50 $1,300
60 $1,276

Full coverage, $500 deductibles

Rates by Deductible

Lexus ES 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,820
$250 $1,634
$500 $1,420
$1,000 $1,216

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 300h Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,420
50/100 $1,497
100/300 $1,593
250/500 $1,842
100 CSL $1,535
300 CSL $1,746
500 CSL $1,900

Full coverage, driver age 40

Rates for High Risk Drivers

Lexus ES 300h Insurance Rates for High Risk Drivers
Age Premium
16 $7,520
20 $5,256
30 $3,168
40 $3,094
50 $2,950
60 $2,926

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 $204

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $110
5-yr Claim Free $94
Paid in Full/EFT $68
Advance Quote $73
Online Quote $103
Total Discounts $622
Rate after discounts $798

Discounts are estimated and may not be available from every company or in every state.

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