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 $1,420 a year with full coverage. Comprehensive costs an estimated $302 each year, collision costs $598, and liability costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing around $3,094. Teens 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:
Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and ES 300h models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Lexus ES 300h go from the low end price of $432 for liability-only coverage to a high rate of $3,094 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects insurance prices.
These rate differences demonstrate why all drivers should compare prices for a targeted area, instead of using 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 Charts and Tables
The chart below details estimated Lexus ES 300h insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $798
- Using higher $1,000 deductibles will save approximately $204 annually
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,420
- Selecting low deductibles for physical damage coverage bumps up the cost to $1,820
- Drivers with serious driving violations could pay up to $3,094 or more
- An auto insurance policy that insures a teen driver can cost as much as $5,244 or more
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 be as much as 44% to 133% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,200 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 $1,020 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,920 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $610 every year, 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 more per year. 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 and see which company has the best price. Each insurance company calculates prices differently, so the prices will be substantially different.
| 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 Cheaper Lexus ES 300h Insurance
Finding better rates on car insurance requires having a good driving record, having above-average credit, being claim-free, and taking advantage of discounts. Compare rates every other policy renewal by requesting rates from direct companies, and also from insurance agencies where you live.
The next list is a condensed summary of the ideas that were raised in the charts and tables above.
- Drivers age 20 and younger are charged the highest prices, possibly costing $437 per month if full coverage is included
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,670 more annually to buy Lexus ES 300h insurance
- Increasing policy deductibles can save approximately $600 each year
- You may be able to save approximately $180 per year simply by quoting online in advance
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.
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