Lexus RC F Car Insurance Cost 2025
The average annual cost to insure a Lexus RC F is around $1,575. However, your actual rate may vary depending on factors like your age, the car’s model year, and other personal details. Check our quote tables below for a more personalized estimate.
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If you’re thinking about buying a Lexus RC F, one crucial consideration is the insurance cost. On average, insurance for a Lexus RC F costs $1,575 per year. Insurance plays a vital role in car ownership, and it’s essential to understand the expenses before making a purchase.
Choosing the right car insurance policy is important to avoid unexpected high costs in the future. Inadequate coverage during an accident could result in significant out-of-pocket expenses. Moreover, if you’re at fault, your premiums may increase.
Having analyzed car insurance rates for over a decade, I’ve observed how these costs can vary significantly. Factors such as age, driving history, and location all play a significant role in determining insurance premiums.
How Much Does Lexus RC F Car Insurance Cost?
Lexus RC F drivers typically pay an average of $1,575 per year for car insurance.
While Penn National’s pricing serves as a good reference point, it’s essential to recognize that car insurance expenses can vary significantly based on several factors. These factors encompass your geographical location, driving history, the age of your vehicle, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, whereas a record of accidents or traffic violations may escalate costs.
Moreover, residing in an urban area with heavy traffic can lead to higher insurance rates compared to rural regions with fewer vehicles on the road. Additionally, the type of coverage you opt for plays a role in determining your premium. Full coverage insurance, encompassing comprehensive and collision coverage, typically carries a higher cost compared to minimum liability coverage.
Insuranceopedia aims to aid you in exploring various insurance providers and comparing quotes to ensure you secure the most favorable deal.
Average Insurance Cost Of Lexus RC F By Model Year
| Model Year | Average Premium |
| 2022 Lexus RC F | $3,257 |
| 2021 Lexus RC F | $3,374 |
| 2020 Lexus RC F | $2,279 |
| 2019 Lexus RC F | $2,857 |
| 2018 Lexus RC F | $2,326 |
| 2017 Lexus RC F | $1,668 |
| 2016 Lexus RC F | $1,966 |
| 2015 GLexus RC F | $1,419 |
2022 Lexus RC F Insurance Rates
The average annual insurance cost for a 2022 Lexus RC F is $3,257. However, Penn National offers the cheapest rates, averaging $1,575 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $1,575 |
| California Capital | $2,305 |
| USAA | $2,359 |
| Esurance | $3,032 |
| Auto Club | $3,457 |
| Hartford | $3,715 |
| Nationwide | $3,745 |
| Unitrin | $3,815 |
| Farmers | $4,252 |
| 21st Century | $4,310 |
2021 Lexus RC F Insurance Rates
The average annual insurance cost for a 2021 Lexus RC F is $3,374. However, Plymouth Rock Assurance offers the cheapest rates, averaging $1,601 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $1,601 |
| American National P | $1,941 |
| California Capital | $2,966 |
| Norfolk and Dedham Group | $3,223 |
| Safety Group | $3,343 |
| Southern Farm Bureau | $3,889 |
| Preferred Mutual | $4,070 |
| Esurance | $4,112 |
| Mercury | $4,251 |
| State Farm | $4,339 |
2020 Lexus RC F Insurance Rates
The average annual insurance cost for a 2020 Lexus RC F is $2,279. However, Titan offers the cheapest rates, averaging $1,630 per year.
| Insurance Provider | Average Annual Cost |
| Titan | $1,630 |
| Direct Auto | $1,898 |
| Esurance | $1,899 |
| California Capital | $1,987 |
| USAA | $2,172 |
| Erie | $2,248 |
| North Carolina Farm Bureau | $2,548 |
| Farmers | $2,552 |
| Alliance United | $2,929 |
| Unitrin | $2,927 |
2019 Lexus RC F Insurance Rates
The average annual insurance cost for a 2019 Lexus RC F is $2,857. However, California Capital offers the cheapest rates, averaging $2,143 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $2,143 |
| Mercury | $2,606 |
| Alliance United | $2,769 |
| Farmers | $2,796 |
| Esurance | $2,840 |
| Nationwide | $2,909 |
| Auto Club | $3,006 |
| State Farm | $3,009 |
| Hartford | $3,202 |
| 21st Century | $3,287 |
Find Affordable Lexus RC F Insurance Rates
2018 Lexus RC F Insurance Rates
The average annual insurance cost for a 2018 Lexus RC F is $2,326. However, California Capital offers the cheapest rates, averaging $1,479 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $1,479 |
| Norfolk and Dedham Group | $1,666 |
| Preferred Mutual | $1,948 |
| Safety Group | $2,203 |
| National Grange Mutual | $2,370 |
| Arbella Insurance Group | $2,633 |
| California Capital | $2,674 |
| Hanover | $2,694 |
| Quincy Mutual | $2,732 |
| Allied | $2,856 |
2017 Lexus RC F Insurance Rates
The average annual insurance cost for a 2017 Lexus RC F is $1,668. However, Safeco offers the cheapest rates, averaging $850 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $850 |
| Titan | $1,074 |
| Virginia Farm Bureau | $1,251 |
| Farm Bureau Mutual (IA Group) | $1,490 |
| Penn National | $1,737 |
| North Carolina Farm Bureau | $1,763 |
| Texas Farm Bureau Group | $1,829 |
| National Farmers Union P | $2,184 |
| Kemper Auto | Infinity | $2,244 |
| Country | $2,261 |
2016 Lexus RC F Insurance Rates
The average annual insurance cost for a 2016 Lexus RC F is $1,966. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,375 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,357 |
| Cameron Mutual Group | $1,500 |
| Shelter | $1,726 |
| Erie | $1,831 |
| Direct Auto | $1,925 |
| Farm Bureau Mutual (IA Group) | $1,968 |
| Travelers | $2,113 |
| ALFA | $2,255 |
| SAFECO | $2,360 |
| California Capital | $2,625 |
2015 Lexus RC F Insurance Rates
The average annual insurance cost for a 2015 Lexus RC F is $1,419. However, Pekin Insurance offers the cheapest rates, averaging $1,074 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $1,074 |
| Titan | $1,321 |
| Grange Mutual | $1,354 |
| SECURA Insurance | $1,331 |
| Texas Farm Bureau Group | $1,385 |
| Penn National | $1,480 |
| Erie | $1,496 |
| Kemper Auto | Infinity | $1,506 |
| Utica National Ins Group | $1,610 |
| General Casualty | $1,632 |
Find Affordable Lexus RC F Insurance Rates
Cost of Lexus RC F Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums since they have a higher accident risk compared to other age groups. However, as you get older and gain more experience on the road, your insurance costs typically decrease due to a lower risk profile.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $13,149 | $19,298 | $22,591 |
| 18 | $12,259 | $17,981 | $21,049 |
| 19 | $10,811 | $15,885 | $18,616 |
| 20 | $9,450 | $13,851 | $16,229 |
| 21 | $7,936 | $11,611 | $13,583 |
| 22 | $7,704 | $11,334 | $13,248 |
| 23 | $6,744 | $9,911 | $11,590 |
| 24 | $6,410 | $9,419 | $11,012 |
| 25 | $5,514 | $8,135 | $9,482 |
| 30 | $4,303 | $6,323 | $7,392 |
| 35 | $4,046 | $5,933 | $6,926 |
| 40 | $3,861 | $5,701 | $6,687 |
| 45 | $3,757 | $5,528 | $6,503 |
| 55 | $3,445 | $5,075 | $5,949 |
| 65 | $3,612 | $5,313 | $6,194 |
| 75 | $4,543 | $6,703 | $7,830 |
Lexus RC F Car Insurance Rates By State
Your location has a major impact on your car insurance rates, as each state has its own regulations. For instance, drivers in Michigan often face higher premiums due to state-mandated higher coverage levels. Additionally, the climate in your area matters—states with extreme weather conditions like hurricanes, storms, or flooding can lead to higher rates. Insurance companies also factor in local crime and accident statistics, such as car thefts, crashes, and fatalities, when determining your Lexus RC F insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $4,110 | $5,979 | $7,616 |
| Alaska | $3,400 | $4,698 | $4,589 |
| Arizona | $3,836 | $5,552 | $8,184 |
| Arkansas | $4,230 | $6,630 | $7,314 |
| California | $4,684 | $8,287 | $4,696 |
| Colorado | $4,400 | $6,138 | $7,777 |
| Connecticut | $5,587 | $8,689 | $11,014 |
| Delaware | $4,645 | $6,185 | $7,948 |
| Florida | $5,518 | $7,641 | $9,940 |
| Hawaii | $1,811 | $2,423 | $1,799 |
| Idaho | $3,116 | $4,149 | $5,039 |
| Illinois | $3,248 | $4,938 | $5,615 |
| Indiana | $3,357 | $5,148 | $5,767 |
| Iowa | $2,672 | $3,639 | $4,280 |
| Kansas | $3,523 | $5,148 | $6,003 |
| Kentucky | $5,125 | $7,511 | $8,866 |
| Louisiana | $6,574 | $9,909 | $10,760 |
| Maine | $2,491 | $3,416 | $5,069 |
| Maryland | $4,008 | $5,837 | $6,482 |
| Massachusetts | $3,241 | $5,637 | $3,220 |
| Michigan | $7,774 | $11,826 | $18,681 |
| Minnesota | $3,186 | $4,261 | $6,010 |
| Mississippi | $3,843 | $5,494 | $5,564 |
| Missouri | $3,637 | $5,197 | $6,843 |
| Montana | $3,696 | $5,178 | $6,027 |
| Nebraska | $3,143 | $4,612 | $5,021 |
| Nevada | $5,154 | $7,636 | $8,079 |
| New Hampshire | $3,586 | $5,689 | $7,165 |
| New Jersey | $3,948 | $6,221 | $8,101 |
| New Mexico | $4,020 | $5,990 | $6,234 |
| New York | $3,731 | $4,693 | $7,881 |
| North Carolina | $2,325 | $3,989 | $2,844 |
| North Dakota | $3,192 | $4,816 | $5,724 |
| Ohio | $2,827 | $4,344 | $4,457 |
| Oklahoma | $4,511 | $6,457 | $7,266 |
| Oregon | $4,102 | $5,505 | $6,590 |
| Pennsylvania | $3,449 | $5,088 | $5,967 |
| Rhode Island | $5,799 | $8,482 | $9,552 |
| South Carolina | $3,914 | $5,432 | $7,504 |
| South Dakota | $3,530 | $5,072 | $5,855 |
| Tennessee | $4,133 | $6,090 | $8,122 |
| Texas | $4,157 | $6,027 | $7,485 |
| Utah | $3,565 | $4,979 | $6,853 |
| Vermont | $2,741 | $4,218 | $4,461 |
| Virginia | $2,578 | $3,940 | $3,889 |
| Washington | $3,415 | $4,610 | $5,540 |
| West Virginia | $3,423 | $4,905 | $6,154 |
| Wisconsin | $3,408 | $5,325 | $6,106 |
| Wyoming | $3,201 | $4,461 | $4,758 |
| Georgia | $4,492 | $6,743 | $6,765 |
Find Affordable Lexus RC F Insurance Rates
Common Lexus RC F Insurance Discounts
Discounts can be a great way to reduce your car insurance premiums. While each provider offers different discounts, here are some common ones you may be eligible for:
- Multi-policy: Bundling your home and auto insurance with the same provider can often earn you a discount.
- Pay annually: Paying your premium in full rather than monthly can result in savings.
- Defensive driving: Completing a certified defensive driving course may make you eligible for lower rates.
There are other discounts available as well, so it’s a good idea to talk to your insurance agent, who can help you identify which ones apply to you.
Compare Lexus RC F To Other Lexus Models
Our Methodology
To calculate average car insurance costs, Insuranceopedia collected thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, the rates in this guide may differ based on your specific situation.
Quotes Analyzed
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Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Lexus RC F?
Yes, you’ll need to provide proof of insurance before you can drive your Lexus RC F 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 relying on the dealership to arrange coverage for you.
How Can You Get The Cheapest Insurance For Your Lexus RC F?
The most effective way to find the lowest rates for your Lexus RC F is by shopping around and comparing quotes from various auto insurance companies. Luckily, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers directly on our website.
