2018 Lexus RC 300 Car Insurance Calculator

See in real-time how choices you make impact car insurance rates for a 2018 Lexus RC 300. Adjust rate factors like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately how and why rates change based on your selections.

The average estimated car insurance premium for a 2018 Lexus RC 300 is $1,992 per year, or about $166 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

$1,992

Cost Per Month

$166

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 2018 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.

$1,992
Average Rate
Your Rate
$1,992

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 2018 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 2018 Lexus RC 300 is $1,992.

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.

2018 Lexus RC 300 Segment Comparison

The table below compares insurance rates for the 2018 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.

2018 Lexus RC 300 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$236
2Lexus IS 300$1,908-$84
3Lexus RC 300$1,992--
4Mercedes-Benz SLC300$2,058$66
5Lexus ES 350$2,062$70
6Mercedes-Benz AMG CLA45$2,076$84
7Audi S5$2,114$122
8Audi A3$2,126$134
9Mercedes-Benz CLA250$2,136$144
10Mercedes-Benz C350E$2,146$154
11Lincoln MKZ$2,158$166
12Mercedes-Benz E300$2,162$170
13Lexus ES 300H$2,170$178
14Genesis G80$2,174$182
15BMW 430i$2,190$198
16Audi A6$2,212$220
17Audi S4$2,224$232
18Lexus GS 300$2,260$268
19Jaguar XE$2,262$270
20Lexus GS 350$2,282$290
21BMW 530i$2,288$296
22BMW 540xi$2,298$306
23BMW 540i$2,304$312
24BMW 440i$2,334$342
25Jaguar XF$2,354$362
26Mercedes-Benz AMG C43$2,410$418
27Mercedes-Benz SL450$2,430$438
28Mercedes-Benz E400$2,442$450
29Infiniti Q50$2,450$458
2018 Midsize Luxury Car Average$2,459$467
30BMW 530e$2,460$468
31Audi RS 5$2,490$498
32Mercedes-Benz AMG E43$2,500$508
33BMW 530xi$2,504$512
34BMW M550i$2,582$590
35Mercedes-Benz AMG C63$2,634$642
36BMW 640xi$2,642$650
37Audi S6$2,662$670
38BMW 640i$2,712$720
39Mercedes-Benz SL550$2,762$770
40Lexus GS F$2,772$780
41Tesla Model S$2,810$818
42Lexus LC 500H$2,834$842
43Audi A7$2,844$852
44BMW 650xi$2,848$856
45Audi S7$3,022$1,030
46BMW M5$3,034$1,042
47BMW M6$3,228$1,236
48Mercedes-Benz SL63 AMG$3,280$1,288
49Mercedes-Benz SL65 AMG$4,084$2,092

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.

2018 RC 300 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Lexus RC 300 Insurance Rates by Trim Level
2018 Lexus RC 300 Trim Level Annual Premium Cost Per Month
AWD$1,992$166
Coupe$1,992$166

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 2018 Lexus RC 300 for different driver ages.

2018 Lexus RC 300 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,901$575
17$6,722$560
18$6,095$508
19$5,531$461
20$4,260$355
21$4,071$339
22$3,660$305
23$2,993$249
24$2,839$237
25$2,314$193
30$2,132$178
35$2,046$171
40$1,992$166
45$1,858$155
50$1,760$147
55$1,642$137
60$1,646$137
65$1,752$146
70$1,872$156
75$2,174$181
80$2,668$222

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.