2020 Lexus RC 300 Car Insurance Calculator

Learn and understand how life choices impact the cost of car insurance for a 2020 Lexus RC 300. Adjust rate factors like your marital status, location, and homeowner status to see how insurance cost is affected. Immediately discover if the choice you make has a positive or negative impact on rates.

The average estimated car insurance premium for a 2020 Lexus RC 300 is $2,168 per year, or about $181 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

$2,168

Cost Per Month

$181

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 2020 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.

$2,168
Average Rate
Your Rate
$2,168

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 2020 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 2020 Lexus RC 300 is $2,168.

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.

2020 Lexus RC 300 Segment Comparison

The table below compares insurance rates for the 2020 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.

2020 Lexus RC 300 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$282
2Lexus RC 300$2,168--
3Mercedes-Benz SLC300$2,230$62
4Lexus ES 350$2,238$70
5Lincoln MKZ$2,248$80
6Mercedes-Benz AMG CLA45$2,268$100
7Jaguar XE$2,272$104
8Lexus IS 300$2,276$108
9Audi A3$2,316$148
10Cadillac CT5$2,354$186
11Audi S5$2,414$246
12Lexus GS 350$2,478$310
13Mercedes-Benz E350$2,488$320
14Lexus ES 300H$2,526$358
15Audi S4$2,550$382
16BMW 530i$2,558$390
17BMW 540i$2,582$414
18Mercedes-Benz CLA250$2,598$430
19Genesis G80$2,604$436
20Audi A6$2,614$446
21Mercedes-Benz E450$2,644$476
22BMW 430i$2,666$498
23Mercedes-Benz CLS450$2,700$532
24Jaguar XF$2,702$534
2020 Midsize Luxury Car Average$2,704$536
25BMW 440i$2,796$628
26Mercedes-Benz AMG C43$2,804$636
27Mercedes-Benz SL450$2,822$654
28Audi RS 5$2,838$670
29Audi S6$2,898$730
30Infiniti Q50$2,926$758
31BMW 530e$2,942$774
32Lexus GS F$3,016$848
33Mercedes-Benz AMG C63$3,056$888
34BMW M550i$3,110$942
35Mercedes-Benz SL550$3,136$968
36Tesla Model S$3,192$1,024
37Audi A7$3,236$1,068
38Lexus LC 500H$3,320$1,152
39Audi S7$3,444$1,276
40BMW M8$3,448$1,280
41BMW M5$3,494$1,326

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.

2020 RC 300 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Lexus RC 300 Insurance Rates by Trim Level
2020 Lexus RC 300 Trim Level Annual Premium Cost Per Month
AWD$2,168$181
Coupe$2,168$181

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 2020 Lexus RC 300 for different driver ages.

2020 Lexus RC 300 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,478$623
17$7,294$608
18$6,639$553
19$6,017$501
20$4,638$387
21$4,430$369
22$3,986$332
23$3,252$271
24$3,087$257
25$2,516$210
30$2,322$194
35$2,226$186
40$2,168$181
45$2,020$168
50$1,910$159
55$1,784$149
60$1,790$149
65$1,902$159
70$2,030$169
75$2,352$196
80$2,886$241

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.