Lexus ES 300h Insurance Costs: Rates, Rankings, and Insights

• Lexus ES 300h insurance costs an average of $2,082 per year or around $174 per month, depending on driver age.
• Out of 34 vehicles in the 2024 midsize luxury car segment, the ES 300h ranks ninth for car insurance affordability.
• The cheapest model of Lexus ES 300h to insure is the base Hybrid at $1,752 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 $548 a year, liability/medical will cost about $588, and the remaining collision insurance is an estimated $946.

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 2024 model years. Full coverage car insurance prices for the average driver range from $1,330 for a 2013 model up to $2,082 for a 2024 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 2024 Lexus ES 300h ranges from $1,752 to $2,506.

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 $340 per year for a 40-year-old driver and $658 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 $354 per year for a 40-year-old driver and $694 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 $350 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 $548 per year. Serious misdemeanor violations such as a DWI could raise rates by an additional $1,914 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 $2,498 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 $2,938 per year for a 20-year-old driver and even $852 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 $376 less per year than the Audi A6, $66 less than the Infiniti Q50, $102 more than the Lexus ES 350, and $406 less than the Tesla Model S.

The Lexus ES 300h ranks ninth out of 34 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 $2,328 per year, a difference of $246 per year.

The following table shows how average Lexus ES 300h car insurance rates compare to all other 2024 model year luxury cars in the United States like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S.