2022 Lexus ES 300h Car Insurance Calculator

Explore and understand how choices you make impact the insurance cost for a 2022 Lexus ES 300h. Customize coverage amounts, annual mileage, vehicle usage, and driver gender to learn how each affects rates. Get instant feedback how the choices you make impact rates.

The average estimated car insurance premium for a 2022 Lexus ES 300h is $2,660 per year, or about $222 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

$2,660

Cost Per Month

$222

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 2022 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.

$2,660
Average Rate
Your Rate
$2,660

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 2022 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 2022 Lexus ES 300h is $2,660.

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.

2022 Lexus ES 300h Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 Lexus ES 300h Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,968-$692
2Lexus RC 300$2,370-$290
3Mercedes-Benz AMG CLA35$2,424-$236
4BMW i4$2,438-$222
5Cadillac CT5$2,446-$214
6Audi A3$2,472-$188
7Mercedes-Benz AMG CLA45$2,482-$178
8Mercedes-Benz CLA250$2,494-$166
9Lexus ES 250$2,504-$156
10Lexus IS 300$2,510-$150
11Lexus ES 350$2,518-$142
12Audi S5$2,596-$64
13Audi S4$2,612-$48
14BMW 530i$2,650-$10
15Lexus ES 300h$2,660--
16Genesis G80$2,674$14
17Mercedes-Benz E350$2,676$16
18BMW 530e$2,702$42
19BMW 540i$2,708$48
20BMW M440i$2,720$60
21Mercedes-Benz E450$2,732$72
22Audi A6$2,804$144
23Jaguar XF$2,812$152
2022 Midsize Luxury Car Average$2,819$159
24Lexus IS 500$2,846$186
25BMW 430i$2,876$216
26Mercedes-Benz CLS450$2,896$236
27Infiniti Q50$3,008$348
28Audi RS 5$3,040$380
29Mercedes-Benz AMG C43$3,060$400
30Audi S6$3,082$422
31Mercedes-Benz AMG C63$3,156$496
32Audi A7$3,252$592
33BMW M550i$3,282$622
34Lexus LC 500h$3,348$688
35Tesla Model S$3,408$748
36Audi S7$3,526$866
37BMW M8$3,656$996
38BMW M5$3,696$1,036

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.

2022 ES 300h Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Lexus ES 300h Insurance Rates by Trim Level
2022 Lexus ES 300h Trim Level Annual Premium Cost Per Month
F Sport Hybrid$2,574$215
Ultra Luxury Hybrid$2,696$225
Luxury Hybrid$2,706$226

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 2022 Lexus ES 300h for different driver ages.

2022 Lexus ES 300h Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,486$791
17$9,222$769
18$8,319$693
19$7,546$629
20$5,787$482
21$5,519$460
22$4,945$412
23$4,030$336
24$3,819$318
25$3,094$258
30$2,840$237
35$2,730$228
40$2,660$222
45$2,480$207
50$2,344$195
55$2,192$183
60$2,198$183
65$2,348$196
70$2,530$211
75$2,970$248
80$3,664$305

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.