Estimates, not quotes

Lexus RC Insurance Cost in Washington

Insuring a Lexus RC in Washington costs about $1,350 a year ($112/month) for full coverage by our estimate — −15% versus the same car nationally — the 17th cheapest of 51 states for this model.

Lexus RC (photo from Wikimedia Commons)
Photo: Vauxford, CC BY-SA 4.0
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

Lexus RC insurance in Washington at a glance

Full coverage
$1,350
$1,105–$1,590
25/50/10 minimum
$480
$40/mo
Same car nationally
$1,590
full coverage
Avg. car in WA
$1,380
−2% for the RC

The Lexus RC is 2% cheaper than the average vehicle to insure in Washington, reflecting HLDI collision losses of 130 and comprehensive losses of 128 (100 = average). Washington's own base rates are 10% lower than the national average, which carries through to every model.

Washington factors that affect RC premiums

  • Uninsured drivers: 19.1% of Washington drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your RC.
  • Theft: 259 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Washington's expected annual losses as very low for hail, relatively low for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.21 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Washington →

Lexus RC insurance cost in Washington cities

CityFull coverageMinimumvs. state
Seattle$1,540$545+14%
Spokane$1,395$490+3%
Tacoma$1,520$540+13%
Vancouver$1,435$510+6%
Bellevue$1,450$515+7%
Kent$1,530$545+13%
Everett$1,465$520+9%
Spokane Valley$1,385$490+3%
Renton$1,530$545+13%
Yakima$1,360$480+1%
Bellingham$1,345$4800%
Auburn$1,500$535+11%
Lynnwood$1,545$550+14%

Lexus RC insurance in Washington by driver

Estimated annual Lexus RC premium in Washington
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,315 $1,905 $3,705 $309
Young adult (22) $765 $1,110 $2,155 $180
Adult in their 30s $480 $695 $1,350 $113
Adult in their 50s $440 $640 $1,240 $103
Senior (72) $535 $775 $1,510 $126
30s, one at-fault accident $695 $1,005 $1,955 $163
30s, DUI on record $885 $1,280 $2,495 $208

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $480 $40 $390–$565
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $695 $58 $570–$820
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,350 $112 $1,105–$1,590

Washington minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Washington

ModelFull coverage in WAvs. RC
Porsche 911$1,470+9%
Audi TT$1,860+38%
Porsche Boxster$1,470+9%
Porsche Cayman$1,325−2%

Estimate your RC premium by ZIP code

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Estimated annual premium
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Lexus RC insurance cost in every state · All Lexus models

Frequently asked questions

How much is Lexus RC insurance in Washington?

About $1,350 a year ($112 a month) for full coverage and $480 for Washington's minimum liability, for a driver in their 30s with a clean record. That is 15% less than the national estimate for the same car.

Is the Lexus RC cheaper to insure than the average car in Washington?

The average vehicle in Washington is about $1,380 a year for full coverage in our model, so the Lexus RC is 2% cheaper than average.

Where in Washington is Lexus RC insurance cheapest?

Among the largest Washington cities, Bellingham has the lowest estimate (about $1,345) and Lynnwood the highest (about $1,545).

What insurance do I need for a Lexus RC in Washington?

Washington requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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