Porsche 911 vs Lexus RC Insurance Cost
The Lexus RC is cheaper to insure by about $160 a year for full coverage by our estimate ($1,750 vs. $1,590), and cheaper in 50 of 51 states.
Side-by-side insurance estimate
| Coverage | Porsche 911 | Lexus RC | Difference |
|---|---|---|---|
| State minimum | $350 | $495 | −$145 |
| Standard (100/300/100) | $505 | $720 | −$215 |
| Full coverage | $1,750 | $1,590 | +$160 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = 911 minus RC.
Why one costs more to insure
| Factor | Porsche 911 | Lexus RC |
|---|---|---|
| Segment | Luxury sports car | Luxury sports car |
| Powertrains | Gasoline | Gasoline |
| HLDI collision (100 = avg) | 198 | 130 |
| HLDI comprehensive | 165 | 128 |
| HLDI property damage liability | 23 | 63 |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 0 |
Collision losses are the biggest swing factor: the Porsche 911 has 68 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Lexus RC.
911 vs RC insurance by state
By driver profile (full coverage)
| Driver | 911 | RC |
|---|---|---|
| Teen driver (18, own policy) | $4,810 | $4,380 |
| Young adult (22) | $2,800 | $2,550 |
| Adult in their 30s | $1,750 | $1,590 |
| Adult in their 50s | $1,610 | $1,465 |
| Senior (72) | $1,960 | $1,785 |
| 30s, one at-fault accident | $2,535 | $2,310 |
| 30s, DUI on record | $3,235 | $2,945 |
More comparisons
Frequently asked questions
Is the Porsche 911 or the Lexus RC cheaper to insure?
By our estimate the Lexus RC is cheaper, by about $160 a year for full coverage ($1,750 vs. $1,590) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Porsche 911 and Lexus RC?
Mostly because of insurance-loss history: HLDI collision indices of 198 vs. 130 and comprehensive indices of 165 vs. 128 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.