Lexus RC Car Insurance Cost 2025
On average, getting insurance for a Lexus RC costs $7,296 per year. However, the actual cost can vary depending on factors such as your age, the model year of your car, and other variables. You can use our quote tables below to get an estimate tailored to your specific situation.
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When considering buying a Lexus RC, it’s important to think about the cost of insurance. On average, insurance for a Lexus RC costs $7,296 per year. Insurance is a major part of car ownership, and knowing the financial commitment beforehand is crucial.
Choosing the right car insurance is essential to avoid unexpected and costly surprises. Having adequate coverage is important to prevent large out-of-pocket expenses in case of an accident. Also, if you are at fault in an accident, your premiums could go up.
With over ten years of experience studying car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving history, and location all significantly affect your insurance premiums.
How Much Does Lexus RC Car Insurance Cost?
On average, Lexus RC drivers can expect to pay around $7,296 per year for car insurance.
Car insurance costs can vary greatly based on multiple factors. These include your location, driving history, car model year, and the coverage options you choose. Having a clean driving record often leads to lower premiums, while accidents or traffic violations can increase your rates.
Living in a busy urban area with high traffic can also lead to higher insurance costs, unlike rural areas with less congestion. Additionally, the type of coverage you select will affect your premium—comprehensive insurance, which covers both comprehensive and collision, typically costs more than basic liability coverage.
As shown in the table below, the insurance cost for a Lexus RC is higher than the average for all Lexus models, but it still exceeds the average cost for all vehicles.
Insuranceopedia can help you compare quotes from different insurers, making sure you get the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Lexus RC | $208 |
| All Lexus | $174 |
| All Cars | $175 |
Average Insurance Cost Of Lexus RC By Model Year
| Model Year | Average Premium |
| 2022 Lexus RC | $9,958 |
| 2021 Lexus RC | $3,467 |
| 2020 Lexus RC | $2,693 |
| 2019 Lexus RC | $2,065 |
| 2018 Lexus RC | $2,468 |
| 2017 Lexus RC | $1,661 |
| 2016 Lexus RC | $1,670 |
| 2015 Lexus RC | $1,307 |
2022 Lexus RC Insurance Rates
The average annual insurance cost for a 2022 Lexus RC is $7,296. However, Direct Auto offers the cheapest rates, averaging $9,958 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Auto | $7,296 |
| National General | $12,619 |
2021 Lexus RC Insurance Rates
The average annual insurance cost for a 2021 Lexus RC is $3,467. However, State Farm offers the cheapest rates, averaging $638 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $638 |
| Unitrin | $1,575 |
| Nationwide | $1,884 |
| Mercury | $2,077 |
| Travelers | $2,359 |
| Metropolitan | $2,842 |
| Home State Ins Group | $2,912 |
| National General | $3,262 |
| Dairyland Auto | $3,914 |
| Safe Auto | $13,209 |
2020 Lexus RC Insurance Rates
The average annual insurance cost for a 2020 Lexus RC is $2,693. However, National General Value offers the cheapest rates, averaging $613 per year.
| Insurance Provider | Average Annual Cost |
| National General Value | $613 |
| Nationwide | $1,860 |
| Farm Bureau Mutual (IA Group) | $2,286 |
| USAA | $2,403 |
| CSAA | $2,675 |
| Encompass | $2,776 |
| ACCC Insurance Company | $3,099 |
| Travelers | $3,505 |
| Metropolitan | $3,704 |
| Allstate | $4,010 |
2019 Lexus RC Insurance Rates
The average annual insurance cost for a 2019 Lexus RC is $2,065. However, Safeco offers the cheapest rates, averaging $553 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $553 |
| Esurance | $1,792 |
| California Capital | $1,995 |
| Plymouth Rock | $2,110 |
| Nationwide | $2,111 |
| USAA | $2,147 |
| Travelers | $2,357 |
| Mercury | $2,466 |
| Auto Club | $2,497 |
| Allstate | $2,622 |
Find Affordable Lexus RC Insurance Rates
2018 Lexus RC Insurance Rates
The average annual insurance cost for a 2018 Lexus RC is $2,065. However, USAA offers the cheapest rates, averaging $1,920 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,920 |
| Virginia Farm Bureau | $2,113 |
| Penn National | $2,091 |
| Erie | $2,352 |
| Encompass | $2,431 |
| Esurance | $2,495 |
| California Capital | $2,529 |
| Nationwide | $2,614 |
| Auto-Owners Insurance Co | $2,825 |
| State Farm | $3,311 |
2017 Lexus RC Insurance Rates
The average annual insurance cost for a 2017 Lexus RC is $1,661. However, Safeco offers the cheapest rates, averaging $353 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $353 |
| Texas Farm Bureau Group | $1,250 |
| Virginia Farm Bureau | $1,351 |
| MO Farm Bureau Services | $1,675 |
| New Jersey Manufacturers | $1,698 |
| New York Central Mutual Fire | $1,827 |
| Erie | $1,963 |
| Penn National | $2,063 |
| USAA | $2,170 |
| Shelter | $2,262 |
2016 Lexus RC Insurance Rates
The average annual insurance cost for a 2016 Lexus RC is $1,661. However, Clearcover offers the cheapest rates, averaging $789 per year.
| Insurance Provider | Average Annual Cost |
| Clearcover | $789 |
| Texas Farm Bureau Group | $1,087 |
| Farm Bureau Mutual (IA Group) | $1,454 |
| Erie | $1,610 |
| Auto-Owners Insurance Co | $1,772 |
| 21st Century | $1,929 |
| Allied | $1,912 |
| USAA | $2,023 |
| Republic Indemnity | $2,057 |
| Donegal Mutual Insurance Co | $2,063 |
2015 Lexus RC Insurance Rates
The average annual insurance cost for a 2015 Lexus RC is $1,661. However, Mercury Insurance offers the cheapest rates, averaging $276 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $276 |
| Kemper Auto | Infinity | $578 |
| Safeco | $707 |
| SECURA Insurance | $1,350 |
| Texas Farm Bureau Group | $1,439 |
| Southern Farm Bureau | $1,543 |
| PEMCO | $1,673 |
| Cameron Mutual Group | $1,796 |
| Mercury Insurance Company | $1,847 |
| New York Central Mutual Fire | $1,858 |
Find Affordable Lexus RC Insurance Rates
Is A Lexus RC Expensive To Insure?
Insuring a Lexus RC costs more than the average for all vehicles. However, your actual insurance rate will depend on several factors, including your age, the age of your car, your location, and other personal details.
Cheapest Car Insurance Companies For A Lexus RC
If you’re searching for a new car insurance policy for your Lexus RC, you may want to know which companies offer the lowest rates. MetroMile provides the most affordable option, with an average premium of $29 per month. However, insurance costs vary depending on factors like your driving history and location. To find the best rate for your specific profile, it’s important to compare quotes from multiple providers.
| Company | Average Monthly Rate |
| MetroMile | $29 |
| Commonwealth Casualty | $43 |
| Acceptance | $40 |
| Shelter Mutual | $32 |
| Clearcover | $46 |
Common Lexus RC Insurance Discounts
Discounts can be a great way to reduce your car insurance costs. While each provider offers different savings, here are some common discounts you may qualify for:
- Multi-policy: Bundling your auto and home insurance with the same provider can lower your premium.
- Pay annually: Paying your full premium upfront instead of in monthly installments often comes with a discount.
- Defensive driving: Completing a certified defensive driving course may make you eligible for reduced rates.
Other discounts may also be available, so it’s a good idea to speak with your insurance agent to find out which ones apply to you.
Ways To Save On Lexus RC Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Lexus RC insurance costs. Traffic violations and accidents can lead to higher premiums.
For example, Lexus RC drivers with a speeding ticket may pay around $134 per month, while those with multiple accidents could see rates averaging $111 per month. Avoiding such incidents helps keep insurance expenses down.
Additionally, lower annual mileage can also reduce insurance costs. Drivers who log between 7,501–10,000 miles per year typically pay about $88 per month, whereas those exceeding 10,000 miles per year pay around $84 per month. Since lower mileage means fewer chances of accidents, insurers often offer better rates to low-mileage drivers.
Compare Lexus RC To Other Lexus Models
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, your actual rates may vary based on your personal details and coverage needs.
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FAQs
Do You Need Insurance Before You Can Purchase A Lexus RC?
Yes, you must show proof of insurance before driving your Lexus RC off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company about your upcoming car purchase rather than opting for coverage through the dealership.
How Can You Get The Cheapest Insurance For Your Lexus RC?
The most effective way to secure the lowest insurance rates for your Lexus RC is by comparing quotes from multiple providers. Insuranceopedia makes this process easy by allowing you to compare rates from various insurers directly on their website.
