Lexus RC Insurance Cost
Full coverage for a Lexus RC costs about $1,590 a year ($133/month) by our estimate — ▲ 0% versus the average vehicle.
Lexus RC insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2025 model year. Our vehicle data covers the 2015–2025 model years of the Lexus RC, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $495 | $41 | $410–$585 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $720 | $60 | $590–$850 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,590 | $133 | $1,305–$1,880 |
What drives the cost of insuring a Lexus RC
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Lexus RC's results put our vehicle factor at 0.81× for liability, 1.38× for collision and 1.33× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 130 | Much worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 128 | Much worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 63 | Much better than average | Damage this car does to other vehicles and property |
HLDI results by body style / drivetrain (3)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Lexus RC 350 2dr | 130 | 128 | 63 | — |
| Lexus RC 350 2dr 4WD | 163 | 119 | — | — |
| Lexus RC 300 2dr | 112 | — | — | — |
- Repair and parts costs: Luxury sports car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
- Recalls & complaints: 0 NHTSA recall campaigns and 1 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Lexus RC trims and configurations (2025)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| RC 300 | RWD | 2.0L 4-cyl Turbo | 25 |
| RC 300 AWD | AWD | 3.5L 6-cyl | 22 |
| RC 350 | RWD | 3.5L 6-cyl | 23 |
| RC 350 AWD | AWD | 3.5L 6-cyl | 22 |
| RC F | RWD | 5.0L 8-cyl | 19 |
Lexus RC insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2025 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 19–25 | $1,590 |
| 2024 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 19–25 | $1,550 |
| 2023 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 19–25 | $1,505 |
| 2022 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 19–25 | $1,465 |
| 2021 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 19–25 | $1,420 |
| 2020 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 19–24 | $1,375 |
| 2019 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 19–24 | $1,335 |
| 2018 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 19–26 | $1,290 |
| 2017 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 19–26 | $1,250 |
| 2016 | 2.0L 4-cyl Turbo, 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 19–26 | $1,205 |
| 2015 | 3.5L 6-cyl, 5.0L 8-cyl | AWD, RWD | 19–22 | $1,200 |
Lexus RC insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the RC page for that state.
Lexus RC insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,365 | $1,985 | $4,380 | $365 |
| Young adult (22) | $795 | $1,155 | $2,550 | $213 |
| Adult in their 30s | $495 | $720 | $1,590 | $133 |
| Adult in their 50s | $455 | $665 | $1,465 | $122 |
| Senior (72) | $555 | $810 | $1,785 | $149 |
| 30s, one at-fault accident | $720 | $1,045 | $2,310 | $193 |
| 30s, DUI on record | $920 | $1,335 | $2,945 | $245 |
Lexus RC vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Lexus RC | $1,590 | 130 | 128 | — |
| Porsche 911 | $1,750 | 198 | 165 | Compare |
| Audi TT | $1,975 | — | — | Compare |
| Porsche Boxster | $1,670 | 132 | — | Compare |
Estimate Lexus RC insurance for your ZIP code
Runs in your browser — nothing you enter is stored or sent to insurers.
Other Lexus models
Frequently asked questions
How much is insurance for a Lexus RC?
We estimate about $1,590 a year ($133 a month) for full coverage and $495 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is about the same as the average vehicle.
Is the Lexus RC expensive to insure?
HLDI insurance-loss data rates it at 130 for collision and 128 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.
Which state is cheapest to insure a Lexus RC?
Maine has the lowest estimate (about $1,040 a year for full coverage) and Louisiana the highest (about $2,180).
Is the Lexus RC cheaper to insure than the Porsche 911?
By our estimate the Lexus RC costs about $1,590 a year versus $1,810 for the Porsche 911, making it the cheaper of the two to insure.
How much is Lexus RC insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,380 a year at national-average rates by our estimate.
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.