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 $2,082 per year or around $174 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 $1,996 per year.

How much does Lexus ES 300h car insurance cost?

Lexus ES 300h insurance costs an average of $2,082 a year, which is the equivalent of about $174 a month. Comprehensive will cost approximately $520 a year, liability/medical will cost about $568, and the remaining collision insurance is an estimated $994.

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 December 30, 2022
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$3,474$290
$500$4,144$345
$250$4,854$405
30$1,000$1,828$152
$500$2,204$184
$250$2,594$216
40$1,000$1,738$145
$500$2,082$174
$250$2,440$203
50$1,000$1,586$132
$500$1,894$158
$250$2,216$185
60$1,000$1,556$130
$500$1,860$155
$250$2,176$181

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 $1,342 for a 2013 model up to $2,082 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$2,082$1,041$174
2022 Lexus ES 300h$2,054$1,027$171
2021 Lexus ES 300h$2,012$1,006$168
2020 Lexus ES 300h$1,982$991$165
2019 Lexus ES 300h$1,826$913$152
2018 Lexus ES 300h$1,742$871$145
2017 Lexus ES 300h$1,666$833$139
2016 Lexus ES 300h$1,584$792$132
2015 Lexus ES 300h$1,610$805$134
2014 Lexus ES 300h$1,568$784$131
2013 Lexus ES 300h$1,342$671$112

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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 December 30, 2022
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 $1,996 to $2,154.

2023 Lexus ES 300h Insurance Cost by Trim Level
Lexus ES 300h Trim Level Annual Policy Six-Month Policy Per Month
Base Hybrid$1,996$998$166
F Sport Design Hybrid$2,080$1,040$173
Luxury Hybrid$2,098$1,049$175
Ultra Luxury Hybrid$2,154$1,077$180

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 February 5, 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 $344 per year for a 40-year-old driver and $670 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 $358 per year for a 40-year-old driver and $710 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 $354 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 $546 per year. Serious misdemeanor violations such as a DWI could raise rates by an additional $1,912 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 $2,494 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 $2,910 per year for a 20-year-old driver and even $844 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 $82 less per year than the Audi A6, $376 less than the Infiniti Q50, $180 more than the Lexus ES 350, and $622 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 $2,082 per year for full coverage insurance and the segment average cost is $2,242 per year, a difference of $160 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$1,898-$184
2Lexus ES 350$1,902-$180
3Lexus ES 250$1,914-$168
4Lexus RC 300$1,920-$162
5Mercedes-Benz AMG CLA35$1,924-$158
6Audi A3$1,928-$154
7Mercedes-Benz AMG CLA45$1,968-$114
8Mercedes-Benz CLA250$1,978-$104
9Lexus IS 300$1,986-$96
10Jaguar XF$1,988-$94
11Audi S4$2,030-$52
12BMW i4$2,040-$42
13Mercedes-Benz E350$2,054-$28
14Lexus ES 300h$2,082--
15BMW 530i$2,122$40
16Audi A6$2,164$82
17Audi S5$2,166$84
18BMW 540i$2,170$88
19BMW 430i$2,206$124
20Lexus IS 500$2,212$130
21Mercedes-Benz E450$2,232$150
22Genesis G80$2,238$156
23Mercedes-Benz CLS450$2,296$214
24Mercedes-Benz EQE 350$2,312$230
25Audi RS 5$2,318$236
26BMW 530e$2,330$248
27Audi S6$2,354$272
28Mercedes-Benz AMG C43$2,358$276
29BMW M440i$2,362$280
30Mercedes-Benz EQE 500$2,364$282
31Audi A7$2,456$374
32Infiniti Q50$2,458$376
33Lexus LC 500h$2,640$558
34BMW M550i$2,644$562
35Tesla Model S$2,704$622
36Audi S7$2,720$638
37BMW M5$2,800$718
38BMW M8$2,954$872

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 December 30, 2022
Insurance Cost Comparison: Lexus ES 300h vs Midsize Luxury Cars