2023 Lexus ES 300h Car Insurance Calculator

Get instant feedback how changes to driver risk factors and vehicle options affect car insurance rates for a 2023 Lexus ES 300h. Set options like homeowner status, credit history, and policy coverages to find out how each affects rates. Know immediately if your choice increases or decreases premiums and why.

The average estimated car insurance premium for a 2023 Lexus ES 300h is $2,690 per year, or about $224 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

$2,690

Cost Per Month

$224

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 2023 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.

$2,690
Average Rate
Your Rate
$2,690

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 2023 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 2023 Lexus ES 300h is $2,690.

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.

2023 Lexus ES 300h Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Lexus ES 300h Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CT5$2,450-$240
2Lexus ES 350$2,460-$230
3Lexus ES 250$2,472-$218
4Lexus RC 300$2,482-$208
5Mercedes-Benz AMG CLA35$2,488-$202
6Audi A3$2,492-$198
7Mercedes-Benz AMG CLA45$2,546-$144
8Mercedes-Benz CLA250$2,554-$136
9Lexus IS 300$2,568-$122
10Jaguar XF$2,578-$112
11Audi S4$2,628-$62
12BMW i4$2,636-$54
13Mercedes-Benz E350$2,654-$36
14Lexus ES 300h$2,690--
15BMW 530i$2,742$52
16Audi A6$2,798$108
17Audi S5$2,802$112
18BMW 540i$2,808$118
19BMW 430i$2,856$166
20Lexus IS 500$2,858$168
21Mercedes-Benz E450$2,886$196
22Genesis G80$2,892$202
2023 Midsize Luxury Car Average$2,899$209
23Mercedes-Benz CLS450$2,968$278
24Mercedes-Benz EQE 350$2,988$298
25Audi RS 5$2,996$306
26BMW 530e$3,014$324
27Audi S6$3,044$354
28Mercedes-Benz AMG C43$3,048$358
29BMW M440i$3,052$362
30Mercedes-Benz EQE 500$3,056$366
31Audi A7$3,176$486
32Infiniti Q50$3,180$490
33Lexus LC 500h$3,414$724
34BMW M550i$3,420$730
35Tesla Model S$3,498$808
36Audi S7$3,520$830
37BMW M5$3,624$934
38BMW M8$3,824$1,134

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.

2023 ES 300h Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Lexus ES 300h Insurance Rates by Trim Level
2023 Lexus ES 300h Trim Level Annual Premium Cost Per Month
Base Hybrid$2,578$215
F Sport Design Hybrid$2,688$224
Luxury Hybrid$2,708$226
Ultra Luxury Hybrid$2,782$232

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 2023 Lexus ES 300h for different driver ages.

2023 Lexus ES 300h Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,517$793
17$9,251$771
18$8,345$695
19$7,576$631
20$5,815$485
21$5,549$462
22$4,979$415
23$4,067$339
24$3,854$321
25$3,128$261
30$2,874$240
35$2,762$230
40$2,690$224
45$2,508$209
50$2,374$198
55$2,216$185
60$2,224$185
65$2,370$198
70$2,552$213
75$2,988$249
80$3,682$307

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.