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 insurance. Comprehensive insurance costs around $290, collision insurance costs $564, and liability is estimated at $388. Liability-only insurance costs approximately $434 a year, and high-risk driver insurance costs $2,996 or more. 16-year-old drivers pay the most at up to $5,108 a year.

Average premium for full coverage: $1,378

Premium estimates for type of coverage:

Comprehensive $290
Collision $564
Liability $388

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all ES 300h models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Lexus ES 300h range from as low as $434 for minimum levels of liability insurance to the much higher price of $2,996 for a driver who requires high-risk insurance.

Liability Only $434
Full Coverage $1,378
High Risk $2,996

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than congested cities. The example below illustrates how where you live affects auto insurance rates.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

These rate differences illustrate why everyone should get quotes for a specific zip code and risk profile, instead of using rate 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 Details

The chart below illustrates average Lexus ES 300h insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $780
  • Choosing higher $1,000 deductibles can save about $194 each year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,378
  • Buying pricier low deductibles for comp and collision coverage will cost an extra $378 every year
  • Unlucky drivers with multiple tickets or accidents could pay at least $2,996
  • An auto insurance policy for full coverage for a teen driver for full coverage can be $5,108 each year

View Chart as Image

Lexus ES 300h insurance cost comparison chart
Column chart showing Lexus ES 300h insurance prices range from $780 to $5,108 for full coverage

Insurance prices for a Lexus ES 300h also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay as much as $5,100 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 $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,860 on average in Michigan, New York, and Florida.

Lexus ES 300h Insurance Rates by State
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%

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $580 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,600 to $2,300 additional annually, depending on your age. Lexus ES 300h insurance for high-risk drivers ranges as much as 45% to 129% more than the average rate. View High Risk Driver Rates

Lexus ES 300h Insurance Rates by Model Year
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 takes having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop at every other renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a condensed summary of the concepts that were touched on in the above illustrations.

  • Higher risk drivers with multiple at-fault accidents may pay on average $1,620 more every year than a driver with a clean driving record
  • 16 to 18-year-old drivers are charged the highest prices, with premiums being up to $426 per month including comprehensive and collision insurance
  • It is possible to save up to $170 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $575 each year
  • It is possible to save up to $170 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Lexus ES 300h Insurance 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

Lexus ES 300h Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,756
$250 $1,582
$500 $1,378
$1,000 $1,184

Full coverage, driver age 40

Rates by Liability Limit

Lexus ES 300h Insurance Rates with Different Liability Limits
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

Lexus ES 300h Insurance 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.

SR-22 Surcharge $197

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
Rate after discounts $780

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

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