Lexus ES 300h Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average auto insurance rates for a Lexus ES 300h are $1,420 annually with full coverage. Comprehensive insurance costs around $302, collision costs $598, and liability coverage is $384. A liability-only policy costs around $432 a year, with high-risk insurance costing $3,094 or more. 16-year-old drivers receive the highest rates at $5,244 a year or more.
Average premium for full coverage: $1,420
Rate estimates for individual coverage type:
Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different ES 300h trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $432 for minimum levels of liability insurance to a much higher rate of $3,094 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than 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 details estimated Lexus ES 300h insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $798
- Raising to $1,000 deductibles will save about $204 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,420
- Buying more expensive low deductibles costs an additional $400 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $3,094 or more
- The cost with full coverage for a teenage driver with full coverage can be $5,244
Insurance rates for a Lexus ES 300h can also vary considerably based on the trim level of your ES 300h, your driving record, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $610 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $345 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Lexus ES 300h insurance rates. A middle-age driver might find rates as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or at least $1,920 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different between companies.
| 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 Buy Affordable Lexus ES 300h Insurance
Saving money on auto insurance consists of being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates once a year by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a brief review of the data that was covered above.
- You may be able to save up to $180 per year simply by shopping early and online
- Consumers who may need higher levels of liability will pay around $420 every year to raise from a minimum limit to higher 250/500 limits
- Teenage drivers pay higher rates, with premiums as much as $437 per month including comprehensive and collision insurance
- Drivers with DUI or reckless driving convictions may pay on average $1,670 more every year for auto insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,820 |
| $250 | $1,634 |
| $500 | $1,420 |
| $1,000 | $1,216 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
