Estimates, not quotes

Porsche Boxster vs Lexus RC Insurance Cost

The Lexus RC is cheaper to insure by about $80 a year for full coverage by our estimate ($1,670 vs. $1,590), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoveragePorsche BoxsterLexus RCDifference
State minimum$505$495+$10
Standard (100/300/100)$730$720+$10
Full coverage$1,670$1,590+$80

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Boxster minus RC.

Why one costs more to insure

FactorPorsche BoxsterLexus RC
SegmentLuxury sports carLuxury sports car
PowertrainsGasolineGasoline
HLDI collision (100 = avg)132130
HLDI comprehensive—128
HLDI property damage liability6563
HLDI bodily injury liability——
NHTSA overall rating——
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)30

Collision losses are the biggest swing factor: the Porsche Boxster has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Boxster vs RC insurance by state

StateBoxsterRCDifference
Alabama$1,500$1,425+$75
Alaska$1,465$1,405+$60
Arizona$1,745$1,660+$85
Arkansas$1,555$1,465+$90
California$1,650$1,590+$60
Colorado$1,970$1,840+$130
Connecticut$1,715$1,650+$65
Delaware$1,760$1,695+$65
District of Columbia$2,115$2,025+$90
Florida$2,220$2,135+$85
Georgia$1,970$1,895+$75
Hawaii$1,160$1,120+$40
Idaho$1,145$1,090+$55
Illinois$1,475$1,405+$70
Indiana$1,215$1,155+$60
Iowa$1,235$1,150+$85
Kansas$1,435$1,335+$100
Kentucky$1,400$1,335+$65
Louisiana$2,290$2,180+$110
Maine$1,090$1,040+$50
Maryland$1,835$1,760+$75
Massachusetts$1,635$1,570+$65
Michigan$1,830$1,755+$75
Minnesota$1,465$1,370+$95
Mississippi$1,655$1,560+$95
Missouri$1,570$1,475+$95
Montana$1,440$1,340+$100
Nebraska$1,435$1,335+$100
Nevada$1,770$1,715+$55
New Hampshire$1,210$1,155+$55
New Jersey$1,900$1,835+$65
New Mexico$1,530$1,450+$80
New York$2,145$2,060+$85
North Carolina$1,310$1,245+$65
North Dakota$1,190$1,100+$90
Ohio$1,220$1,160+$60
Oklahoma$1,590$1,490+$100
Oregon$1,435$1,380+$55
Pennsylvania$1,505$1,430+$75
Rhode Island$1,935$1,865+$70
South Carolina$1,730$1,650+$80
South Dakota$1,455$1,325+$130
Tennessee$1,435$1,360+$75
Texas$2,050$1,930+$120
Utah$1,455$1,400+$55
Vermont$1,150$1,090+$60
Virginia$1,440$1,370+$70
Washington$1,400$1,350+$50
West Virginia$1,470$1,385+$85
Wisconsin$1,190$1,120+$70
Wyoming$1,475$1,355+$120

By driver profile (full coverage)

DriverBoxsterRC
Teen driver (18, own policy)$4,590$4,380
Young adult (22)$2,670$2,550
Adult in their 30s$1,670$1,590
Adult in their 50s$1,535$1,465
Senior (72)$1,870$1,785
30s, one at-fault accident$2,420$2,310
30s, DUI on record$3,090$2,945

More comparisons

Frequently asked questions

Is the Porsche Boxster or the Lexus RC cheaper to insure?

By our estimate the Lexus RC is cheaper, by about $80 a year for full coverage ($1,670 vs. $1,590) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Porsche Boxster and Lexus RC?

Mostly because of insurance-loss history: HLDI collision indices of 132 vs. 130 and comprehensive indices of n/a 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.

Sources used on this page