2016 Lexus ES 300h Car Insurance Calculator

Watch in real-time how decisions you make impact the cost of insurance for a 2016 Lexus ES 300h. Set options like policy discounts, trim level, and driving violations and watch the impact each has on cost. See instantly if insurance rates get cheaper or more expensive.

The average estimated car insurance premium for a 2016 Lexus ES 300h is $1,924 per year, or about $160 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,924

Cost Per Month

$160

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus ES 300h Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Lexus ES 300h.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,924
Average Rate
Your Rate
$1,924

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Lexus ES 300h trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Lexus ES 300h is $1,924.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Lexus ES 300h Segment Comparison

The table below compares insurance rates for the 2016 Lexus ES 300h against all other models in the midsize luxury car segment. The Lexus ES 300h is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus ES 300h, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus ES 300h.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Lexus ES 300h Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$306
2Acura ILX$1,686-$238
3Lexus IS 300$1,792-$132
4Volvo S80$1,834-$90
5Mercedes-Benz C350E$1,842-$82
6Lexus RC 300$1,856-$68
7Audi A3$1,888-$36
8Mercedes-Benz AMG CLA45$1,910-$14
9Lincoln MKZ$1,914-$10
10Lexus ES 300h$1,924--
11Lexus ES 300H$1,924$0
12Audi A6$1,936$12
13Mercedes-Benz CLA250$1,982$58
14BMW 528i$2,020$96
15Lexus GS 350$2,036$112
16Mercedes-Benz E350$2,062$138
17Audi S4$2,064$140
18Mercedes-Benz SLK55 AMG$2,068$144
19BMW 428xi$2,072$148
20Jaguar XF$2,084$160
21Cadillac ELR$2,090$166
22Mercedes-Benz C450 AMG$2,100$176
23BMW 428i$2,106$182
24Audi S5$2,116$192
25Hyundai Genesis$2,130$206
26BMW 528xi$2,138$214
27Infiniti Q50$2,144$220
28BMW 535xi$2,150$226
29BMW 435xi$2,174$250
30Mercedes-Benz E250$2,192$268
31Mercedes-Benz SL400$2,210$286
32BMW Active 5$2,218$294
33BMW 435i$2,224$300
34BMW 535d$2,250$326
2016 Midsize Luxury Car Average$2,263$339
35Mercedes-Benz E400$2,300$376
36BMW 535i$2,308$384
37Mercedes-Benz E550$2,320$396
38Audi S6$2,358$434
39BMW 550i$2,362$438
40Mercedes-Benz CLS400$2,436$512
41BMW 550xi$2,452$528
42Mercedes-Benz SL550$2,456$532
43BMW 640i$2,490$566
44Audi A7$2,504$580
45BMW 640xi$2,510$586
46BMW M5$2,518$594
47Audi S7$2,522$598
48Tesla Model S$2,590$666
49Mercedes-Benz S550E$2,594$670
50BMW 650xi$2,610$686
51Lexus GS F$2,622$698
52BMW M6$2,796$872
53Mercedes-Benz SL63 AMG$2,876$952
54Mercedes-Benz SL65 AMG$3,584$1,660

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 ES 300h Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Lexus ES 300h.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Lexus ES 300h Insurance Rates by Trim Level
2016 Lexus ES 300h Trim Level Annual Premium Cost Per Month
Sedan$1,924$160

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Lexus ES 300h for different driver ages.

2016 Lexus ES 300h Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,862$572
17$6,649$554
18$5,962$497
19$5,426$452
20$4,157$346
21$3,966$331
22$3,550$296
23$2,911$243
24$2,753$229
25$2,234$186
30$2,050$171
35$1,976$165
40$1,924$160
45$1,800$150
50$1,706$142
55$1,594$133
60$1,598$133
65$1,704$142
70$1,836$153
75$2,162$180
80$2,664$222

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus ES 300h trim levels.