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 $48 per year.
• Average car insurance cost per month for the Lexus RC F is 2.2% more expensive than the BMW M2, at $187 versus $183, a difference of $4 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 $2,244 per year, while insurance for a BMW M2 averages $2,196 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 $2,082 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 $2,082.

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 $2,082 per year, and the most expensive vehicle to insure is the Lexus RC F Track Edition costing an average of $2,422 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 $1,976 to $4,486 per year for a 2024 Lexus RC F, and $1,934 to $4,398 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 $2,380 per year, while insurance for a BMW M2 averages $2,146 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 $2,204 per year, or about $184 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 $2,044.

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 $2,044 per year, and the most expensive vehicle to insure is the Lexus RC F Fuji Speedway Edition costing $2,584 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 $2,094 to $4,762 per year. A 2023 BMW M2 costs from $1,892 to $4,308 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 $6,203 per year and BMW M2 insurance costs an average of $5,875 per year, a difference of $328 per year.
• When compared to the national average car insurance rate of $1,883 per year, the Lexus RC F costs $337 more per year, while the BMW M2 costs $197 more per year.
• For an 18-year-old driver, insurance on a Lexus RC F costs an average of $6,832 per year and BMW M2 insurance costs an average of $6,471 per year, a difference of $361 per year.
• Having an at-fault accident could increase insurance rates by up to $902 per year for the Lexus RC F and $862 for the BMW M2.
• For a 17-year-old driver, insurance on a Lexus RC F costs an average of $7,557 per year and BMW M2 insurance costs an average of $7,183 per year, a difference of $374 per year.
• Individual policy coverages for the Lexus RC F cost around $1,056 for collision insurance, $590 for comprehensive coverage, and $574 for liability. For the BMW M2, individual coverages cost an average of $994 for collision insurance, $512 for comprehensive coverage, and $574 for liability.
• For a 16-year-old driver, insurance on a Lexus RC F costs an average of $7,770 per year and BMW M2 insurance costs an average of $7,396 per year, a difference of $374 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 $2,220 and the 2021 BMW M2 is $2,080, making the BMW M2 cheaper by $140 per year.

2020 Lexus RC F vs. BMW M2

When comparing the 2020 model year, the Lexus RC F has an average cost of $2,152 and the 2020 BMW M2 is $2,014, making the BMW M2 $138 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 $2,018 and the 2019 BMW M2 is $1,962, making the BMW M2 $56 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 $1,920 and the 2018 BMW M2 is $1,786, making the BMW M2 the winner by $134 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 $1,842 and the 2017 BMW M2 is $1,718, making the BMW M2 $124 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 $1,834 and the 2016 BMW M2 is $1,624, making the BMW M2 the winner by $210 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