2016 Lexus RC 300 Car Insurance Calculator

Gain insights into how changing risk factors impact the insurance cost for a 2016 Lexus RC 300. Tailor settings like policy discounts, trim level, and driving violations and watch the impact each has on cost. See instantly how much rates change and learn why.

The average estimated car insurance premium for a 2016 Lexus RC 300 is $1,856 per year, or about $155 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,856

Cost Per Month

$155

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Lexus RC 300 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Lexus RC 300.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,856
Average Rate
Your Rate
$1,856

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Lexus RC 300 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Lexus RC 300 is $1,856.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Lexus RC 300 Segment Comparison

The table below compares insurance rates for the 2016 Lexus RC 300 against all other models in the midsize luxury car segment. The Lexus RC 300 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Lexus RC 300, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Lexus RC 300.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Lexus RC 300 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$238
2Acura ILX$1,686-$170
3Lexus IS 300$1,792-$64
4Volvo S80$1,834-$22
5Mercedes-Benz C350E$1,842-$14
6Lexus RC 300$1,856--
7Audi A3$1,888$32
8Mercedes-Benz AMG CLA45$1,910$54
9Lincoln MKZ$1,914$58
10Lexus ES 300H$1,924$68
11Audi A6$1,936$80
12Mercedes-Benz CLA250$1,982$126
13BMW 528i$2,020$164
14Lexus GS 350$2,036$180
15Mercedes-Benz E350$2,062$206
16Audi S4$2,064$208
17Mercedes-Benz SLK55 AMG$2,068$212
18BMW 428xi$2,072$216
19Jaguar XF$2,084$228
20Cadillac ELR$2,090$234
21Mercedes-Benz C450 AMG$2,100$244
22BMW 428i$2,106$250
23Audi S5$2,116$260
24Hyundai Genesis$2,130$274
25BMW 528xi$2,138$282
26Infiniti Q50$2,144$288
27BMW 535xi$2,150$294
28BMW 435xi$2,174$318
29Mercedes-Benz E250$2,192$336
30Mercedes-Benz SL400$2,210$354
31BMW Active 5$2,218$362
32BMW 435i$2,224$368
2016 Midsize Luxury Car Average$2,227$371
33BMW 535d$2,250$394
34Mercedes-Benz E400$2,300$444
35BMW 535i$2,308$452
36Mercedes-Benz E550$2,320$464
37Audi S6$2,358$502
38BMW 550i$2,362$506
39Mercedes-Benz CLS400$2,436$580
40BMW 550xi$2,452$596
41Mercedes-Benz SL550$2,456$600
42BMW 640i$2,490$634
43Audi A7$2,504$648
44BMW 640xi$2,510$654
45BMW M5$2,518$662
46Audi S7$2,522$666
47Tesla Model S$2,590$734
48Mercedes-Benz S550E$2,594$738
49BMW 650xi$2,610$754
50Lexus GS F$2,622$766
51BMW M6$2,796$940
52Mercedes-Benz SL63 AMG$2,876$1,020
53Mercedes-Benz SL65 AMG$3,584$1,728

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 RC 300 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Lexus RC 300.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Lexus RC 300 Insurance Rates by Trim Level
2016 Lexus RC 300 Trim Level Annual Premium Cost Per Month
AWD$1,856$155

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Lexus RC 300 for different driver ages.

2016 Lexus RC 300 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,510$543
17$6,297$525
18$5,629$469
19$5,143$429
20$3,948$329
21$3,770$314
22$3,381$282
23$2,799$233
24$2,641$220
25$2,148$179
30$1,978$165
35$1,908$159
40$1,856$155
45$1,738$145
50$1,650$138
55$1,538$128
60$1,540$128
65$1,636$136
70$1,764$147
75$2,072$173
80$2,536$211

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Lexus RC 300 trim levels.