Lexus ES 300h Car Insurance Cost for 2023

• Lexus ES 300h insurance costs an average of $2,138 per year or around $178 per month, depending on driver age.
• Out of 38 vehicles in the 2023 midsize luxury car segment, the ES 300h ranks 14^th for car insurance affordability.
• The cheapest model of Lexus ES 300h to insure is the base Hybrid at $2,050 per year.

How much does Lexus ES 300h car insurance cost?

Lexus ES 300h insurance costs an average of $2,138 a year, which is the equivalent of about $178 a month. Comprehensive will cost approximately $534 a year, liability/medical will cost about $584, and the remaining collision insurance is an estimated $1,020.

The next chart demonstrates how Lexus ES 300h car insurance prices can fluctuate with changes in the rated driver age and the chosen policy deductibles.

The following table details average Lexus ES 300h insurance policy costs for the 2013 to 2023 model years. Full coverage car insurance prices for the average driver range from $1,376 for a 2013 model up to $2,138 for a 2023 model.

The rate table below displays average annual and 6-month policy costs, including a monthly budget amount, for each available trim level. From a trim level perspective, car insurance for a 2023 Lexus ES 300h ranges from $2,050 to $2,210.

Additional rates and observations

Additional important insights about Lexus ES 300h insurance rates include:

• Increasing deductibles makes car insurance cheaper. Increasing your policy deductibles from $500 to $1,000 could save around $352 per year for a 40-year-old driver and $690 per year for a 20-year-old driver.
• Low physical damage deductibles increase policy cost. Decreasing deductibles from $500 to $250 could cost an additional $368 per year for a 40-year-old driver and $728 per year for a 20-year-old driver.
• Policy discounts save money. Discounts may be available if the insureds are loyal customers, drive low annual mileage, are claim-free, take a defensive driving course, insure their home and car with the same company, or many other discounts which could save the average driver as much as $366 per year.
• A good driving record pays dividends. If you want the cheapest possible ES 300h insurance rates, it’s necessary to not be an aggressive driver. Not surprisingly, just a couple of minor infractions could result in increasing ES 300h insurance rates by as much as $560 per year. Serious misdemeanor violations such as a DWI could raise rates by an additional $1,960 or more.
• High-risk car insurance can get expensive. For a 40-year-old driver, the requirement to buy a high-risk policy can increase the cost by $2,560 or more per year.
• Fewer accidents means cheaper Lexus ES 300h insurance. Being the cause of frequent accidents will raise rates, to the tune of $2,986 per year for a 20-year-old driver and even $870 per year for a 40-year-old driver.

Is Lexus ES 300h car insurance expensive?

When rates are compared to the other midsize luxury cars, auto insurance for a Lexus ES 300h costs $84 less per year than the Audi A6, $388 less than the Infiniti Q50, $186 more than the Lexus ES 350, and $640 less than the Tesla Model S.

The Lexus ES 300h ranks 14^th out of 38 total comparison vehicles in the midsize luxury car category for auto insurance affordability. The ES 300h costs an average of $2,138 per year for full coverage insurance and the segment average cost is $2,302 per year, a difference of $164 per year.

The following table shows how average Lexus ES 300h car insurance rates compare to all other 2023 model year luxury cars in the United States like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S.