2018 Lexus ES 300h Car Insurance Calculator

Learn visually how changing risk factors impact the cost of car insurance for a 2018 Lexus ES 300h. Set options like homeowner status, credit history, and policy coverages to find out how each affects rates. Know immediately how the choices you make impact rates.

The average estimated car insurance premium for a 2018 Lexus ES 300h is $2,170 per year, or about $181 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

$2,170

Cost Per Month

$181

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 2018 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.

$2,170
Average Rate
Your Rate
$2,170

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 2018 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 2018 Lexus ES 300h is $2,170.

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.

2018 Lexus ES 300h Segment Comparison

The table below compares insurance rates for the 2018 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.

2018 Lexus ES 300h Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$414
2Lexus IS 300$1,908-$262
3Lexus RC 300$1,992-$178
4Mercedes-Benz SLC300$2,058-$112
5Lexus ES 350$2,062-$108
6Mercedes-Benz AMG CLA45$2,076-$94
7Audi S5$2,114-$56
8Audi A3$2,126-$44
9Mercedes-Benz CLA250$2,136-$34
10Mercedes-Benz C350E$2,146-$24
11Lincoln MKZ$2,158-$12
12Mercedes-Benz E300$2,162-$8
13Lexus ES 300h$2,170--
14Lexus ES 300H$2,170$0
15Genesis G80$2,174$4
16BMW 430i$2,190$20
17Audi A6$2,212$42
18Audi S4$2,224$54
19Lexus GS 300$2,260$90
20Jaguar XE$2,262$92
21Lexus GS 350$2,282$112
22BMW 530i$2,288$118
23BMW 540xi$2,298$128
24BMW 540i$2,304$134
25BMW 440i$2,334$164
26Jaguar XF$2,354$184
27Mercedes-Benz AMG C43$2,410$240
28Mercedes-Benz SL450$2,430$260
29Mercedes-Benz E400$2,442$272
30Infiniti Q50$2,450$280
31BMW 530e$2,460$290
32Audi RS 5$2,490$320
33Mercedes-Benz AMG E43$2,500$330
2018 Midsize Luxury Car Average$2,503$333
34BMW 530xi$2,504$334
35BMW M550i$2,582$412
36Mercedes-Benz AMG C63$2,634$464
37BMW 640xi$2,642$472
38Audi S6$2,662$492
39BMW 640i$2,712$542
40Mercedes-Benz SL550$2,762$592
41Lexus GS F$2,772$602
42Tesla Model S$2,810$640
43Lexus LC 500H$2,834$664
44Audi A7$2,844$674
45BMW 650xi$2,848$678
46Audi S7$3,022$852
47BMW M5$3,034$864
48BMW M6$3,228$1,058
49Mercedes-Benz SL63 AMG$3,280$1,110
50Mercedes-Benz SL65 AMG$4,084$1,914

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.

2018 ES 300h Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Lexus ES 300h Insurance Rates by Trim Level
2018 Lexus ES 300h Trim Level Annual Premium Cost Per Month
Sedan$2,170$181

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 2018 Lexus ES 300h for different driver ages.

2018 Lexus ES 300h Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,681$640
17$7,464$622
18$6,731$561
19$6,111$509
20$4,691$391
21$4,476$373
22$4,014$335
23$3,280$273
24$3,107$259
25$2,522$210
30$2,316$193
35$2,226$186
40$2,170$181
45$2,024$169
50$1,920$160
55$1,790$149
60$1,796$150
65$1,916$160
70$2,060$172
75$2,412$201
80$2,972$248

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.