Lexus RC F vs. BMW M2 Insurance Cost

Does the Lexus RC F or BMW M2 have cheaper car insurance rates? We compare average rates by trim level back to 2016 to see which is cheapest to insure.

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  • For 2023 models, the BMW M2 is cheaper to insure than the Lexus RC F by an average of $234 per year.
  • Average car insurance cost per month for the Lexus RC F is 10.6% more expensive than the BMW M2, at $189 versus $170, a difference of $19 each month.
  • The BMW M2 costs less to insure than the Lexus RC F on average for each model year since 2015.

2023 Lexus RC F vs. BMW M2

Insurance on a 2023 Lexus RC F costs an average of $2,270 per year, while insurance for a BMW M2 averages $2,036 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 $2,106 per year, or about $176 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 $1,928.

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 $1,928 per year, and the most expensive vehicle to insure is the Lexus RC F Fuji Speedway Edition costing $2,464 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.

2023 Lexus RC F vs BMW M2 Insurance Cost by Trim Level
Model and Trim Level Annual Cost Monthly Cost
$1,928$161
$2,106$176
$2,144$179
$2,192$183
$2,324$194
$2,464$205

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Table Data Details: Average annual and monthly cost assumes a clean driving record and no at-fault accidents for a 40-year-old driver rated on a 2023 Lexus RC F and a 2023 BMW M2. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
2023 Lexus RC F vs BMW M2 Insurance Cost by Trim Level

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 $2,064 to $4,500 per year. A 2023 BMW M2 costs from $1,854 to $4,044 to insure per year.

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Chart Data Details: Average insurance rates are for a 2023 Lexus RC F and a 2023 BMW M2 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RC F and BMW M2 trim levels.Data last updated on May 5, 2023
2023 Lexus RC F vs. 2023 BMW M2 Insurance Cost
2023 Lexus RC F vs. BMW M2 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RC F$4,500$2,420$2,270$2,064
BMW M2$4,044$2,158$2,036$1,854

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.

2023 Lexus RC F

$2,270

Insurance Rates by Trim Level for 2023 Lexus RC F
2023 Lexus RC F TrimsRate
Coupe$2,106
Coupe Premium2,192
Coupe Carbon2,324
Fuji Speedway Edition2,464
2023 Lexus RC F Average Rate$2,270

2023 BMW M2

$2,036

Insurance Rates by Trim Level for 2023 Lexus RC F
2023 BMW M2 TrimsRate
Coupe$1,928
Coupe Carbon Package2,144
2023 BMW M2 Average Rate$2,036

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.

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Chart Data Details: Average insurance rates are for a 2021 Lexus RC F and a 2021 BMW M2 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RC F and BMW M2 trim levels.Data last updated on May 5, 2023
2021 Lexus RC F vs. 2021 BMW M2 Insurance Cost
2021 Lexus RC F vs. BMW M2 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RC F$4,190$2,240$2,114$1,922
BMW M2$3,952$2,096$1,984$1,804

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 $5,918 per year and BMW M2 insurance costs an average of $5,614 per year, a difference of $304 per year.
  • When compared to the national average car insurance rate of $1,685 per year, the Lexus RC F costs $429 more per year, while the BMW M2 costs $299 more per year.
  • For an 18-year-old driver, insurance on a Lexus RC F costs an average of $6,510 per year and BMW M2 insurance costs an average of $6,190 per year, a difference of $320 per year.
  • Having an at-fault accident could increase insurance rates by up to $848 per year for the Lexus RC F and $810 for the BMW M2.
  • For a 17-year-old driver, insurance on a Lexus RC F costs an average of $6,952 per year and BMW M2 insurance costs an average of $6,620 per year, a difference of $332 per year.
  • Individual policy coverages for the Lexus RC F cost around $986 for collision insurance, $554 for comprehensive coverage, and $574 for liability. For the BMW M2, individual coverages cost an average of $928 for collision insurance, $482 for comprehensive coverage, and $574 for liability.
  • For a 16-year-old driver, insurance on a Lexus RC F costs an average of $7,398 per year and BMW M2 insurance costs an average of $7,060 per year, a difference of $338 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 $2,114 and the 2021 BMW M2 is $1,984, making the BMW M2 cheaper by $130 per year.

2021 Lexus RC F

$2,114

Insurance Rates by Trim Level for 2021 Lexus RC F
2021 Lexus RC F TrimsRate
Coupe$2,114
2021 Lexus RC F Average Rate$2,114

2021 BMW M2

$1,984

Insurance Rates by Trim Level for 2021 Lexus RC F
2021 BMW M2 TrimsRate
Competition Coupe$1,984
2021 BMW M2 Average Rate$1,984

2020 Lexus RC F vs. BMW M2


When comparing the 2020 model year, the Lexus RC F has an average cost of $2,082 and the 2020 BMW M2 is $1,952, making the BMW M2 $130 cheaper for the 2020 comparison year.

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Chart Data Details: Average insurance rates are for a 2020 Lexus RC F and a 2020 BMW M2 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RC F and BMW M2 trim levels.Data last updated on May 5, 2023
2020 Lexus RC F vs. 2020 BMW M2 Insurance Cost
2020 Lexus RC F vs. BMW M2 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RC F$4,128$2,202$2,082$1,892
BMW M2$3,892$2,060$1,952$1,774

2020 Lexus RC F

$2,082

Insurance Rates by Trim Level for 2020 Lexus RC F
2020 Lexus RC F TrimsRate
Coupe$2,082
2020 Lexus RC F Average Rate$2,082

2020 BMW M2

$1,952

Insurance Rates by Trim Level for 2020 Lexus RC F
2020 BMW M2 TrimsRate
Competition Coupe$1,952
2020 BMW M2 Average Rate$1,952

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 $1,958 and the 2019 BMW M2 is $1,912, making the BMW M2 $46 cheaper for the 2019 comparison year.

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Chart Data Details: Average insurance rates are for a 2019 Lexus RC F and a 2019 BMW M2 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RC F and BMW M2 trim levels.Data last updated on May 5, 2023
2019 Lexus RC F vs. 2019 BMW M2 Insurance Cost
2019 Lexus RC F vs. BMW M2 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RC F$3,892$2,078$1,958$1,780
BMW M2$3,826$2,016$1,912$1,742

2019 Lexus RC F

$1,958

Insurance Rates by Trim Level for 2019 Lexus RC F
2019 Lexus RC F TrimsRate
Coupe$1,958
2019 Lexus RC F Average Rate$1,958

2019 BMW M2

$1,912

Insurance Rates by Trim Level for 2019 Lexus RC F
2019 BMW M2 TrimsRate
Competition Coupe$1,912
2019 BMW M2 Average Rate$1,912

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 $1,898 and the 2018 BMW M2 is $1,762, making the BMW M2 the winner by $136 overall.

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Chart Data Details: Average insurance rates are for a 2018 Lexus RC F and a 2018 BMW M2 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RC F and BMW M2 trim levels.Data last updated on May 5, 2023
2018 Lexus RC F vs. 2018 BMW M2 Insurance Cost
2018 Lexus RC F vs. BMW M2 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RC F$3,780$2,012$1,898$1,728
BMW M2$3,530$1,876$1,762$1,608

2018 Lexus RC F

$1,898

Insurance Rates by Trim Level for 2018 Lexus RC F
2018 Lexus RC F TrimsRate
Coupe$1,898
2018 Lexus RC F Average Rate$1,898

2018 BMW M2

$1,762

Insurance Rates by Trim Level for 2018 Lexus RC F
2018 BMW M2 TrimsRate
Coupe$1,762
2018 BMW M2 Average Rate$1,762

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 $1,816 and the 2017 BMW M2 is $1,682, making the BMW M2 $134 cheaper overall.

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Chart Data Details: Average insurance rates are for a 2017 Lexus RC F and a 2017 BMW M2 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RC F and BMW M2 trim levels.Data last updated on May 5, 2023
2017 Lexus RC F vs. 2017 BMW M2 Insurance Cost
2017 Lexus RC F vs. BMW M2 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RC F$3,608$1,920$1,816$1,652
BMW M2$3,360$1,786$1,682$1,532

2017 Lexus RC F

$1,816

Insurance Rates by Trim Level for 2017 Lexus RC F
2017 Lexus RC F TrimsRate
Coupe$1,816
2017 Lexus RC F Average Rate$1,816

2017 BMW M2

$1,682

Insurance Rates by Trim Level for 2017 Lexus RC F
2017 BMW M2 TrimsRate
Coupe$1,682
2017 BMW M2 Average Rate$1,682

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 $1,862 and the 2016 BMW M2 is $1,648, making the BMW M2 the winner by $214 for this model year.

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Chart Data Details: Average insurance rates are for a 2016 Lexus RC F and a 2016 BMW M2 with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all Lexus RC F and BMW M2 trim levels.Data last updated on May 5, 2023
2016 Lexus RC F vs. 2016 BMW M2 Insurance Cost
2016 Lexus RC F vs. BMW M2 Insurance Cost
Vehicle Make/Model Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50
Lexus RC F$3,714$1,962$1,862$1,694
BMW M2$3,282$1,736$1,648$1,502

2016 Lexus RC F

$1,862

Insurance Rates by Trim Level for 2016 Lexus RC F
2016 Lexus RC F TrimsRate
Coupe$1,862
2016 Lexus RC F Average Rate$1,862

2016 BMW M2

$1,648

Insurance Rates by Trim Level for 2016 Lexus RC F
2016 BMW M2 TrimsRate
Coupe$1,648
2016 BMW M2 Average Rate$1,648

Additional Lexus RC F and BMW M2 Resources