Lexus RC Car Insurance: How Much Should You Expect to Pay?

The average car insurance price for a Lexus RC tends to be around $197 monthly. See how much insurance companies might charge to insure your Lexus RC with our comprehensive guide.

Quick Facts

  • It costs more to insure a Lexus RC than the average car.
  • Liability auto insurance for a RC runs about $80 per month, while full coverage normally comes in at around $209 a month.
  • The most affordable insurance company for a RC is Commonwealth Casualty, who offers liability only coverage for as cheap as just $44 per month, on average.

RC Overview

With 2021 models starting at $42,120, the Lexus RC is a mid-level car with broad appeal. You'll have your choice of five different trim levels, so there's a style for every driver.

After analyzing thousands of car insurance quotes through Compare.com, we've determined that average Lexus RC auto insurance prices run about $197 monthly. How do car insurance rates for the RC stack up against other similar cars?

Current Base Price$42,120
Body Style(s)Car
Trim LevelsRC-F, 300 BASE/300 F-SPORT, 350 BASE/350 F-SPORT, TRACK EDITION, BASE/TRACK EDITION
Average Insurance Premium$197/mo.
Cheapest Insurance CompanyCommonwealth Casualty

How Much is Car Insurance for a Lexus RC?

Vehicle Liability Only Full Coverage
Lexus RC$80$209
All Lexus Models$79$173
All Cars$83$177
Average Insurance Premium$81$169

You can see in the table above that Lexus RC insurance premiums are higher than average compared to other vehicles. RC drivers can expect to pay around $80 a month for liability insurance, and about $209 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Compared to other Lexus models, the RC is more expensive, with prices more than 10% higher than the rest of the company's vehicle lineup. However, compared to other vehicles of a similar body style, RC coverage runs close to average, with liability insurance premiums $3 cheaper than other cars and full coverage insurance rates coming in $32 higher.

When compared to all vehicles, regardless of body style, model, or make, the RC is more expensive for full coverage insurance, but liability only prices are slightly lower.

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Who has the Cheapest Car Insurance for a Lexus RC?

Insurance Company Average Monthly Premium
MetroMile$28
Shelter Mutual$31
Acceptance$39
Commonwealth Casualty$44
Clearcover$47

If you're looking for a car insurance policy for a Lexus RC, you may be most interested in which carrier offers the most affordable premiums. Even though premiums can shift pretty significantly depending on your driver profile, MetroMile offers the cheapest average rates for liability only coverage, with rates sometimes as little as $28 per month. The runner up for lowest rates is Shelter Mutual, with auto insurance policies starting as little as $31 a month.

Acceptance, Commonwealth Casualty, and Clearcover round out the rest of the top 5 list. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Lexus RC.

Insurance companies take many factors into consideration when offering you rates. Since every driver is different, there's only one way to make sure you get the most affordable premiums, and that's by getting personalized quotes and comparing rates from a multitude of car insurance carriers.

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What Factors Affect Car Insurance Rates for a Lexus RC?

As we mentioned above, there are a whole range of variables that auto insurance companies use to determine how much they charge for a policy -- and each company weighs different variables more heavily than others, so there's not a singular carrier that's the cheapest for every RC driver.

Keep reading to learn which things insurance carriers look at and how they affect your final rate:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$51
2-3 Years$72
4-5 Years$91
6-7 Years$75
8-10 YearsNot Enough Data
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

The Lexus RC has been around for a while, so vehicle age may play a big role in what you end up paying for car insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.

As you can see in the table above, the Lexus RC bucks the trend, as the cheapest models to insure are those that are 1 year old or less, while the most expensive models are 4 to 5 years old, on average.

Your Age

Age Average Monthly Premium

How old you are makes a significant difference in how much you pay for auto insurance. As you can see in the table above, drivers who are under 24 have higher rates compared to those who have more experience. In this case, drivers aged between 18 and 24 pay more than twice as much as those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group being 65 years and older for RC drivers.

Your Gender

Gender Average Monthly Premium
Male$87
Female$56

You may not know, but men typically pay more for insurance than women do. This is because men are more likely to get into collisions and get tickets, which raises the chances of an insurance claim. The Lexus RC follows this convention, and men pay around 55% more than women per month for auto insurance. But due to the small sample size of RC data, this pricing may not be representative of the prices you may see.

Where You Live

State Average Monthly Premium
California$65
Florida$120
Georgia$132
Illinois$82
New York$279
Ohio$32
Pennsylvania$30
Texas$50
Virginia$62

You may think it's obvious that factors such as what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live can be equally important? Auto insurance is regulated on the state level and not nationally, so premiums vary quite a bit depending on which state you call home.

For example, the average Lexus RC owner in New York pays about $279 monthly for liability coverage, while the same Californian driver will pay only a quarter of that price, on average.

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Lexus RC Car Insurance Discounts

Whatever your age, your home state, or your car, it's always in your best interest to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Even though all insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

  • Multi-car discounts for insuring more than one of your vehicles with the same company
  • Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than in monthly installments
  • Defensive driving discounts for taking a defensive driving class from a certified school or institution
  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)

But these aren't the only discounts car insurance companies offer to their customers. Often, the best way to get great rates is to work on your overall insurance profile.

While you may not be able to control every factor auto insurance carriers take a look at to calculate prices (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the things you can use to your advantage in order to save on insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$89
Multiple Accidents$112
1 Ticket$133
Multiple Tickets$50

You've most likely seen ads from auto insurance companies offering hefty discounts for good drivers. It checks out that your car insurance premiums will increase if you get into an accident or get tickets. But you're probably wondering exactly how much these infractions can cost you.

As you can tell from the table above, accidents will usually cost RC drivers less than tickets, but both will result in a raise in rates. Lexus RC drivers with a single ticket will pay about $133 a month, while drivers with one accident on their record pay an average of $89 each month (up $9 from the $80/mo. overall average). Drivers who have more than one of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$107
2,501-5,000 Miles$54
5,001-7,500 Miles$50
7,501-10,000 Miles$87
10,000+ Miles$83

Another variable you have control over is the total amount of miles you drive annually. Those who are on the roads less have fewer opportunities to get into an accident, so they'll usually be offered less expensive rates. In the above table, you can see that Lexus RC owners who drive between 5,000 and 7,500 miles per year pay an average of $50 per month for insurance, while those who put less than 2,500 miles on their cars pay $107.

But if you don't drive much because have a second vehicle or you work from home, it may be worth learning about pay-per-mile or usage-based car insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Lexus RCs Compare to Other Vehicles?

If you're thinking about making a Lexus RC your next purchase, you're probably wondering how it compares to other vehicles. Insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth thinking about carefully.

Review the table below to see how the Lexus RC compares:

Lexus RC National Average
Liability Insurance-$81
Full Coverage Insurance$170$169
Base MSRP$45,050$46,296
Average Annual Mileage11,02111,617

Overall, the Lexus RC has an MSRP that's in line with the going rate for a new vehicle. The national average vehicle MSRP is $46,296, and the RC comes in close to that at $45,050.

Liability insurance for a Lexus RC is, while full coverage is $1 more a month.

When it comes to usage, Lexus RC owners drive about the same amount annually as the national average, with 11,617 miles every year for all vehicles compared to the RC's 11,021 a year.

Lexus RC Car Insurance Costs by Model Year

We've gone over many of the variables that can affect how much the average driver pays for auto insurance. But if you're thinking about buying a new vehicle and the RC is one you're considering, knowing what you'll likely pay can be helpful as you consider your choices.

2020 Lexus RC Car Insurance

   
Liability Only Avg. Premium$59
Full Coverage Avg. Premium$249
Base MSRP$41,295
Cheapest Insurance CompanySafeAuto - $50/mo.
Available Trims300, 300 BASE/300 F-SPORT, 300 F-SPORT, 350, 350 BASE/350 F-SPORT, 350 F-SPORT, BASE/TRACK EDITION, RC-F, TRACK EDITION

It costs around $59 monthly for liability or $249 for a full coverage policy for the 2020 Lexus RC.

SafeAuto offered the lowest policy we found, with rates as low as just $50 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2019 Lexus RC Car Insurance

   
Liability Only Avg. Premium$36
Full Coverage Avg. Premium$192
Base MSRP$41,145
Cheapest Insurance CompanyMercury - $23/mo.
Available Trims300, 350, RC-F

On average, drivers who own a 2019 RC can expect to pay $36 to $192 a month for liability only and full coverage car insurance, respectively.

With prices as little as just $23 monthly, Mercury offered the most affordable policy we found for the 2019 Lexus RC.

Want to find the lowest rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing a whole bunch of personalized quotes from the nation's top insurance carriers.

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2018 Lexus RC Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$234
Base MSRP$40,640
Cheapest Insurance CompanyClearcover - $43/mo.
Available Trims300, 350, RC-F

2018 Lexus RC drivers can expect to pay an average of $79 a month for liability or $234 for full coverage.

Looking for the cheapest policy? Clearcover offered liability only coverage for as cheap as $43 monthly.

If you want to find the best rates for auto insurance for a 2018 Lexus RC, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2017 Lexus RC Car Insurance

   
Liability Only Avg. Premium$105
Full Coverage Avg. Premium$249
Base MSRP$40,155
Cheapest Insurance CompanyShelter Mutual - $36/mo.
Available Trims200T, 300, 350, RC-F

You can expect full coverage for a 2017 RC to run about $249 per month, while liability only coverage will average around $105 monthly.

Shelter Mutual has prices sometimes as cheap as $36 per month for the 2017 Lexus RC.

If you want to know exactly how much you can expect to pay for your RC, just enter your ZIP code below and get several free quotes in minutes.

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2016 Lexus RC Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$205
Base MSRP$39,995
Cheapest Insurance CompanyShelter Mutual - $17/mo.
Available Trims200T, 300, 350, RC-F

The average cost to insure a 2016 Lexus RC with liability only coverage is $77 a month, while full coverage runs about $205 monthly.

If you're looking for the most affordable 2016 Lexus RC insurance policy, Shelter Mutual offered the most affordable policy we found, with rates sometimes as low as $17 a month.

If you're looking for a more exact figure on what you should pay for insurance for a 2016 Lexus RC, you can get free quotes in minutes by just entering your ZIP code below.

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2015 Lexus RC Car Insurance

   
Liability Only Avg. Premium$81
Full Coverage Avg. Premium$202
Base MSRP$42,790
Cheapest Insurance CompanyStateAuto - $17/mo.
Available Trims350, RC-F

You can expect full coverage for a 2015 RC to run around $202 per month, while liability only coverage will average about $81 monthly.

We found StateAuto offered the cheapest policy, with rates as low as $17 per month.

Want to find the best rates? Get lots of free personalized quotes by just entering your ZIP code below.

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Lexus RC Insurance FAQs

Is a Lexus RC expensive to insure?

The Lexus RC is more expensive to insure compared to the average car. Liability insurance runs an average of $80 a month, while full coverage will cost you around $209.

How can I get the best price on car insurance for my Lexus RC?

The only way to make sure you're getting the lowest price on auto insurance is to check prices regularly and compare quotes from lots of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a lot of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Lexus RC affect my insurance rates?

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's actually not the case. There are a variety of factors car insurance companies look at when they decide how much to charge you, but the color of your RC is not factored into that equation.

Do I need to have insurance before I buy a Lexus RC?

You'll need to have valid insurance for your Lexus RC before you can legally drive your it off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a a new car is to let your car insurance company know before you buy.

What car insurance discounts can I get for my Lexus RC?

There are a variety of discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the vehicle you drive, but if your RC has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. To learn more about which discounts you may qualify for, reach out to your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.

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