2022 Lexus RC 300 Car Insurance Calculator

Get real-time feedback how different risk factors impact car insurance rates for a 2022 Lexus RC 300. Customize coverage amounts, annual mileage, vehicle usage, and driver gender to learn how each affects rates. Get instant feedback why rates change and by how much.

The average estimated car insurance premium for a 2022 Lexus RC 300 is $2,370 per year, or about $198 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

$2,370

Cost Per Month

$198

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 2022 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.

$2,370
Average Rate
Your Rate
$2,370

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 2022 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 2022 Lexus RC 300 is $2,370.

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.

2022 Lexus RC 300 Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 Lexus RC 300 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,968-$402
2Lexus RC 300$2,370--
3Mercedes-Benz AMG CLA35$2,424$54
4BMW i4$2,438$68
5Cadillac CT5$2,446$76
6Audi A3$2,472$102
7Mercedes-Benz AMG CLA45$2,482$112
8Mercedes-Benz CLA250$2,494$124
9Lexus ES 250$2,504$134
10Lexus IS 300$2,510$140
11Lexus ES 350$2,518$148
12Audi S5$2,596$226
13Audi S4$2,612$242
14BMW 530i$2,650$280
15Lexus ES 300h$2,660$290
16Genesis G80$2,674$304
17Mercedes-Benz E350$2,676$306
18BMW 530e$2,702$332
19BMW 540i$2,708$338
20BMW M440i$2,720$350
21Mercedes-Benz E450$2,732$362
22Audi A6$2,804$434
23Jaguar XF$2,812$442
2022 Midsize Luxury Car Average$2,819$449
24Lexus IS 500$2,846$476
25BMW 430i$2,876$506
26Mercedes-Benz CLS450$2,896$526
27Infiniti Q50$3,008$638
28Audi RS 5$3,040$670
29Mercedes-Benz AMG C43$3,060$690
30Audi S6$3,082$712
31Mercedes-Benz AMG C63$3,156$786
32Audi A7$3,252$882
33BMW M550i$3,282$912
34Lexus LC 500h$3,348$978
35Tesla Model S$3,408$1,038
36Audi S7$3,526$1,156
37BMW M8$3,656$1,286
38BMW M5$3,696$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.

2022 RC 300 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Lexus RC 300 Insurance Rates by Trim Level
2022 Lexus RC 300 Trim Level Annual Premium Cost Per Month
Coupe$2,284$190
Coupe AWD$2,352$196
F Sport$2,398$200
F Sport AWD$2,444$204

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 2022 Lexus RC 300 for different driver ages.

2022 Lexus RC 300 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,126$677
17$7,940$662
18$7,250$604
19$6,563$547
20$5,070$423
21$4,842$404
22$4,362$364
23$3,552$296
24$3,375$281
25$2,754$230
30$2,538$212
35$2,432$203
40$2,370$198
45$2,208$184
50$2,086$174
55$1,948$162
60$1,952$163
65$2,078$173
70$2,210$184
75$2,556$213
80$3,130$261

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.