Lexus ES 300h Car Insurance Cost for 2023

How much are Lexus ES 300h car insurance rates? We analyze rates by model year from the base ES 300h Luxury Sedan up to the Ultra Luxury Sedan model to see how insurance prices measure up to all other midsize luxury cars.

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  • 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 14th 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.

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Chart Data Details: Chart shows average insurance cost for a 2023 Lexus ES 300h with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Lexus ES 300h trim levels.Data last updated on August 12, 2023
Lexus ES 300h Car Insurance Rates
2023 Lexus ES 300h Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,566$297
$500$4,256$355
$250$4,984$415
30$1,000$1,874$156
$500$2,260$188
$250$2,660$222
40$1,000$1,786$149
$500$2,138$178
$250$2,506$209
50$1,000$1,628$136
$500$1,946$162
$250$2,278$190
60$1,000$1,596$133
$500$1,908$159
$250$2,234$186

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.

Lexus ES 300h Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Lexus ES 300h$2,138$1,069$178
2022 Lexus ES 300h$2,110$1,055$176
2021 Lexus ES 300h$2,066$1,033$172
2020 Lexus ES 300h$2,036$1,018$170
2019 Lexus ES 300h$1,876$938$156
2018 Lexus ES 300h$1,786$893$149
2017 Lexus ES 300h$1,710$855$143
2016 Lexus ES 300h$1,626$813$136
2015 Lexus ES 300h$1,650$825$138
2014 Lexus ES 300h$1,610$805$134
2013 Lexus ES 300h$1,376$688$115

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Lexus ES 300h Insurance Cost by Model Year

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.

2023 Lexus ES 300h Insurance Cost by Trim Level
Lexus ES 300h Trim Level Annual Policy Six-Month Policy Per Month
Base Hybrid$2,050$1,025$171
F Sport Design Hybrid$2,136$1,068$178
Luxury Hybrid$2,152$1,076$179
Ultra Luxury Hybrid$2,210$1,105$184

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Lexus ES 300h, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Lexus ES 300h Insurance Cost by Trim Level

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 14th 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.

Insurance Cost Comparison: Lexus ES 300h vs Midsize Luxury Cars
Rank Make/Model Insurance Cost Difference
1Cadillac CT5$1,948-$190
2Lexus ES 350$1,952-$186
3Lexus ES 250$1,966-$172
4Lexus RC 300$1,970-$168
5Mercedes-Benz AMG CLA35$1,974-$164
6Audi A3$1,980-$158
7Mercedes-Benz AMG CLA45$2,018-$120
8Mercedes-Benz CLA250$2,032-$106
9Lexus IS 300$2,040-$98
10Jaguar XF$2,042-$96
11Audi S4$2,084-$54
12BMW i4$2,096-$42
13Mercedes-Benz E350$2,110-$28
14Lexus ES 300h$2,138--
15BMW 530i$2,180$42
16Audi A6$2,222$84
17Audi S5$2,226$88
18BMW 540i$2,230$92
19BMW 430i$2,266$128
20Lexus IS 500$2,272$134
21Mercedes-Benz E450$2,292$154
22Genesis G80$2,298$160
23Mercedes-Benz CLS450$2,358$220
24Mercedes-Benz EQE 350$2,374$236
25Audi RS 5$2,380$242
26BMW 530e$2,396$258
27Audi S6$2,416$278
28Mercedes-Benz AMG C43$2,420$282
29BMW M440i$2,424$286
30Mercedes-Benz EQE 500$2,428$290
31Audi A7$2,522$384
32Infiniti Q50$2,526$388
33Lexus LC 500h$2,710$572
34BMW M550i$2,714$576
35Tesla Model S$2,778$640
36Audi S7$2,796$658
37BMW M5$2,876$738
38BMW M8$3,034$896

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on August 12, 2023
Insurance Cost Comparison: Lexus ES 300h vs Midsize Luxury Cars