Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Lexus ES 300h? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lexus ES 300h car insurance facts

  • Average full coverage auto insurance premium: $188/month

  • Most affordable companies: GEICO ($96/month) & Nationwide ($102/month)

  • ES 300h car insurance cost vs. average rates: $82 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus ES 300h by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Lexus ES 300h insurer costs by state:

Risk factors affecting Lexus ES 300h coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Lexus ES 300h insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lexus models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lexus luxury automobile brand

Lexus is a luxury car division of Toyota, a Japanese automobile manufacturer specializing in reliable luxury cars with high-quality comfort and impressive resale values. The target audience of Lexus is the upper-middle-class finance and banking executives that demand upscale interiors, style, and advanced driver technologies. All Lexus automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lexus RX 350, ES 350, and RC 300 are some of their most popular cars.

High Lexus ES 300h repair costs equal high coverage rates

Many consumers are attracted to Lexus’ upscale driving experience, outstanding quality, and driver-assist technologies, like the Lexus Safety System+ with pre-collision and dynamic radar safety features. Automotive parts are common and more expensive than popular vehicles, like Toyota, Honda, or Subaru. Repairing a Lexus is higher than average since repair parts are more expensive. For this reason, many Lexus cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lexus ES 300h affecting auto policies

Another factor to consider for Lexus is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lexus models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Lexus IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lexus is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lexus’ Safety System+ technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lexus models. The Lexus ES 350, Lexus IS, NX 4, and RX 4 are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks.” The NHTSA consistently gives Lexus automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lexus automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Lexus ES 300h

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$2387
Allstate$2053
Auto-Owners$2249
Cincinnati Insurance$2462
Direct Auto$2264
Erie Insurance$1567
GEICO$1161
Kentucky Farm Bureau$2288
Liberty Mutual$1976
Mercury$1695
MetLife$2482
Nationwide$1250
Plymouth Rock Insurance$2126
Progressive$1367
Safe Auto$2540
State Farm$1890
Tennessee Farmers$1309
Texas Farm Bureau$1791
Travelers$1511

Compare all 2021 Lexus ES 300h rates

Average Cost to Insure Per Year

$2251

List Price

$41910

Trims Available

Base - Base Engine: ES 300 sported a 138 kW (185 hp) 3.0-liter 3VZ-FE V6 engine with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2020 Lexus ES 300h

Cheapest Insurance CompaniesAverage Annual Cost
Allied$2162
Allstate$2040
Auto-Owners$2237
Erie Insurance$1529
Farmers$2321
GEICO$1092
Liberty Mutual$1925
Mercury$1674
MetLife$2398
Nationwide$1153
Progressive$1354
State Farm$1863
Tennessee Farmers$1280
Texas Farm Bureau$1752
The Hanover$2384
Travelers$1490

Compare all 2020 Lexus ES 300h rates

Average Cost to Insure Per Year

$2173

List Price

$41810

Trims Available

Base - Base Engine: ES 300 sported a 138 kW (185 hp) 3.0-liter 3VZ-FE V6 engine with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2019 Lexus ES 300h

Cheapest Insurance CompaniesAverage Annual Cost
Allied$2043
Allstate$1971
Auto-Owners$2065
Erie Insurance$1462
GEICO$1020
Kentucky Farm Bureau$2160
Liberty Mutual$1865
Mercury$1591
MetLife$2342
Nationwide$1069
Progressive$1289
State Farm$1784
Tennessee Farmers$1175
Texas Farm Bureau$1672
The Hanover$2253
Travelers$1387

Compare all 2019 Lexus ES 300h rates

Average Cost to Insure Per Year

$2086

List Price

$41560

Trims Available

Base - Base Engine: ES 300 sported a 138 kW (185 hp) 3.0-liter 3VZ-FE V6 engine with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2018 Lexus ES 300h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1561
Acuity$ 1561
Allied$ 1651
Allied$ 1651
Arbella$ 1727
Arbella$ 1727
Country$ 1807
Country$ 1807
Erie$ 1050
Erie$ 1050
Mercury$ 1564
Mercury$ 1564
Nationwide$ 1663
Nationwide$ 1663
Plymouth Rock Insurance$ 1669
Plymouth Rock Insurance$ 1669
Progressive$ 1768
Progressive$ 1768
Tennessee Farmers$ 1139
Tennessee Farmers$ 1139
USAA$ 1379
USAA$ 1379
Vermont Mutual$ 1671
Vermont Mutual$ 1671

Compare all 2018 Lexus ES 300h rates

Average Cost to Insure Per Year

$ 2058

List Price

$ 41820

Trims Available

Base

2017 Lexus ES 300h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1550
Acuity$ 1550
Allied$ 1678
Allied$ 1678
Arbella$ 1678
Arbella$ 1678
Country$ 1772
Country$ 1772
Erie$ 1030
Erie$ 1030
Mercury$ 1528
Mercury$ 1528
Nationwide$ 1708
Nationwide$ 1708
Plymouth Rock Insurance$ 1616
Plymouth Rock Insurance$ 1616
Tennessee Farmers$ 1139
Tennessee Farmers$ 1139
Texas Farm Bureau$ 1357
Texas Farm Bureau$ 1357
USAA$ 1459
USAA$ 1459
Vermont Mutual$ 1607
Vermont Mutual$ 1607

Compare all 2017 Lexus ES 300h rates

Average Cost to Insure Per Year

$ 1669

List Price

$ 41820

Trims Available

Base

2015 Lexus ES 300h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1378
Acuity$ 1378
Allied$ 1701
Allied$ 1701
Arbella$ 1486
Arbella$ 1486
Country$ 1551
Country$ 1551
Erie$ 897
Erie$ 897
Mercury$ 1484
Mercury$ 1484
Nationwide$ 1698
Nationwide$ 1698
Plymouth Rock Insurance$ 1517
Plymouth Rock Insurance$ 1517
Tennessee Farmers$ 1395
Tennessee Farmers$ 1395
Texas Farm Bureau$ 1222
Texas Farm Bureau$ 1222
USAA$ 1334
USAA$ 1334
Vermont Mutual$ 1357
Vermont Mutual$ 1357

Compare all 2015 Lexus ES 300h rates

Average Cost to Insure Per Year

$ 1597

List Price

$ 40580

Trims Available

Base

2014 Lexus ES 300h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1325
Acuity$ 1325
Allied$ 1622
Allied$ 1622
American Family$ 1525
American Family$ 1525
Arbella$ 1453
Arbella$ 1453
Country$ 1514
Country$ 1514
Erie$ 940
Erie$ 940
Mercury$ 1463
Mercury$ 1463
Plymouth Rock Insurance$ 1451
Plymouth Rock Insurance$ 1451
Tennessee Farmers$ 1348
Tennessee Farmers$ 1348
Texas Farm Bureau$ 1185
Texas Farm Bureau$ 1185
USAA$ 1248
USAA$ 1248
Vermont Mutual$ 1275
Vermont Mutual$ 1275

Compare all 2014 Lexus ES 300h rates

Average Cost to Insure Per Year

$ 1524

List Price

$ 39500

Trims Available

Base

2013 Lexus ES 300h

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1259
Acuity$ 1259
American Family$ 1378
American Family$ 1378
Arbella$ 1422
Arbella$ 1422
Country$ 1487
Country$ 1487
Erie$ 918
Erie$ 918
Mercury$ 1463
Mercury$ 1463
Plymouth Rock Insurance$ 1409
Plymouth Rock Insurance$ 1409
State Farm$ 1488
State Farm$ 1488
Tennessee Farmers$ 1362
Tennessee Farmers$ 1362
Texas Farm Bureau$ 1129
Texas Farm Bureau$ 1129
USAA$ 1253
USAA$ 1253
Vermont Mutual$ 1263
Vermont Mutual$ 1263

Compare all 2013 Lexus ES 300h rates

Average Cost to Insure Per Year

$ 1452

List Price

$ 39250

Trims Available

Base