Lexus RC F vs. BMW M2 Insurance Cost

• For 2024 models, the BMW M2 is cheaper to insure than the Lexus RC F by an average of $66 per year.
• Average car insurance cost per month for the Lexus RC F is 2.6% more expensive than the BMW M2, at $237 versus $231, a difference of $6 each month.
• The BMW M2 costs less to insure than the Lexus RC F on average for each model year since 2015.

2024 Lexus RC F vs. BMW M2

Average insurance rates for a 2024 Lexus RC F are $2,838 per year, while insurance for a BMW M2 averages $2,772 per year, making the BMW M2 the model with lower average insurance cost.

Out of four Lexus RC F trims, the cheapest 2024 model to insure is the Base trim at an average cost of $2,632 per year. For the two trims available for the BMW M2, the cheapest 2024 model to insure is the Coupe model at a cost of $2,632.

When rates for all six trims of both models are combined and sorted by cost, the overall cheapest vehicle to insure is the Lexus RC F Base at an average cost of $2,632 per year, and the most expensive vehicle to insure is the Lexus RC F Track Edition costing an average of $3,062 per year.

The rate table below compares and ranks the cost of car insurance for 2024 Lexus RC F and BMW M2 models, showing cost for each trim level of both models.

The chart shown below demonstrates the average cost to insure both 2024 models using a range of rated driver ages. Average car insurance cost ranges from $2,496 to $5,672 per year for a 2024 Lexus RC F, and $2,450 to $5,558 for a 2024 BMW M2 for the included driver ages.

The tables shown below illustrate trim level insurance cost averages for both 2024 models, including the average rate for each model.

2023 Lexus RC F vs. BMW M2

Insurance on a 2023 Lexus RC F costs an average of $3,000 per year, while insurance for a BMW M2 averages $2,710 per year, making the BMW M2 the model with cheaper overall insurance rates.

Out of four Lexus RC F trims, the cheapest 2023 trim level to insure is the Coupe trim at an average cost of $2,778 per year, or about $232 per month.

Out of the two trims available for the BMW M2, the cheapest 2023 model to insure is the Coupe model at a cost of $2,584.

When comparing rates by trim level for both models, the most affordable model and trim level to insure is the BMW M2 Coupe at an average rate of $2,584 per year, and the most expensive vehicle to insure is the Lexus RC F Fuji Speedway Edition costing $3,258 per year.

The next chart displays Lexus RC F and BMW M2 car insurance rates for the 2023 model year, with rates shown for drivers age 20 to 50.

The rate chart below displays the average cost to insure both models for different driver ages. For a 2023 Lexus RC F, the average car insurance cost ranges from $2,640 to $6,000 per year. A 2023 BMW M2 costs from $2,392 to $5,446 to insure per year.

The two tables below show average cost to insure each trim level for a 2023 Lexus RC F and BMW M2, plus an average rate for each model.

2021 Lexus RC F vs. BMW M2

The bar chart below calculates estimated insurance rates for a 2021 Lexus RC F and a 2021 BMW M2 for different driver age groups.

How does car insurance cost for a 2021 Lexus RC F compare to a BMW M2?

• For a 19-year-old driver, insurance on a Lexus RC F costs an average of $7,843 per year and BMW M2 insurance costs an average of $7,430 per year, a difference of $413 per year.
• When compared to the national average car insurance rate of $2,276 per year, the Lexus RC F costs $532 more per year, while the BMW M2 costs $356 more per year.
• For an 18-year-old driver, insurance on a Lexus RC F costs an average of $8,635 per year and BMW M2 insurance costs an average of $8,181 per year, a difference of $454 per year.
• Having an at-fault accident could increase insurance rates by up to $1,142 per year for the Lexus RC F and $1,090 for the BMW M2.
• For a 17-year-old driver, insurance on a Lexus RC F costs an average of $9,553 per year and BMW M2 insurance costs an average of $9,082 per year, a difference of $471 per year.
• Individual policy coverages for the Lexus RC F cost around $1,336 for collision insurance, $746 for comprehensive coverage, and $726 for liability. For the BMW M2, individual coverages cost an average of $1,258 for collision insurance, $648 for comprehensive coverage, and $726 for liability.
• For a 16-year-old driver, insurance on a Lexus RC F costs an average of $9,821 per year and BMW M2 insurance costs an average of $9,351 per year, a difference of $470 per year.

The tables below detail insurance rates for all trim levels of 2021 RC F and M2 models. The 2021 Lexus RC F has an average insurance cost of $2,808 and the 2021 BMW M2 is $2,632, making the BMW M2 cheaper by $176 per year.

2020 Lexus RC F vs. BMW M2

When comparing the 2020 model year, the Lexus RC F has an average cost of $2,720 and the 2020 BMW M2 is $2,546, making the BMW M2 $174 cheaper for the 2020 comparison year.

2019 Lexus RC F vs. BMW M2

When comparing the 2019 RC F and M2 models, the Lexus RC F has an average insurance cost of $2,550 and the 2019 BMW M2 is $2,480, making the BMW M2 $70 cheaper for the 2019 comparison year.

2018 Lexus RC F vs. BMW M2

When comparing auto insurance rates for the 2018 RC F and M2 models, the Lexus RC F has an estimated price of $2,434 and the 2018 BMW M2 is $2,258, making the BMW M2 the winner by $176 overall.

2017 Lexus RC F vs. BMW M2

When comparing average insurance rates for the 2017 RC F and M2 models, the Lexus RC F has an average insurance cost of $2,328 and the 2017 BMW M2 is $2,178, making the BMW M2 $150 cheaper overall.

2016 Lexus RC F vs. BMW M2

When comparing auto insurance rates for the 2016 RC F and M2 models, the Lexus RC F has an average insurance cost of $2,316 and the 2016 BMW M2 is $2,050, making the BMW M2 the winner by $266 for this model year.

Additional Lexus RC F and BMW M2 Resources

• Lexus RC F Insurance Rates
• BMW M2 Insurance Rates
• Midsize Luxury Car Insurance Rate Comparisons
• Small Luxury Car Insurance Rate Comparisons