- Lexus RC 200T insurance rates cost $1,686 per year on average, or about $141 per month, for a policy with full coverage.
- The Lexus RC 200T costs slightly more than the average small luxury car to insure, at $53 more per year on average as compared to the rest of the vehicles in the segment.
How much does Lexus RC 200T car insurance cost?
Car insurance rates for the Lexus RC 200T average $1,686 per year, which is about $141 per month. Liability and medical insurance are about $474 a year, comprehensive coverage is an estimated $418, and the remaining collision insurance costs around $794.
The following chart demonstrates how average Lexus RC 200T car insurance rates adjust with changes in driver age and the choice of policy deductible.
Cost ranges from $1,176 per year for a 60-year-old driver with high physical damage deductibles to $3,968 each year for a 20-year-old driver with low physical damage deductibles.
The table below breaks down average Lexus RC 200T car insurance premiums for the 2016-2017 model years and different driver age groups.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2017 Lexus RC 200T | $3,398 | $1,686 | $1,398 |
| 2016 Lexus RC 200T | $3,144 | $1,572 | $1,308 |
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 Lexus RC 200T trim levels for each model year. Updated February 23, 2024
Where do Lexus RC 200T insurance prices rank?
The Lexus RC 200T ranks 21st out of 26 total vehicles in the 2017 small luxury car segment for the most affordable insurance cost. The RC 200T costs an estimated $1,686 per year for an auto insurance policy with full coverage, while the class median cost is $1,633 annually, a difference of $53 per year.
When insurance prices are compared to the best-selling models in the small luxury car category, the Lexus RC 200T costs $168 more per year than the BMW 330i, $36 more than the Mercedes-Benz C300, and $162 more than the Volvo S60.
The table displayed below shows how well Lexus RC 200T car insurance rates rank against other compact luxury cars in America like the Acura TLX, Audi A4, and the Lexus IS 350.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura TLX | $1,462 | -$224 |
| 2 | BMW 230i | $1,498 | -$188 |
| 3 | BMW 330i | $1,518 | -$168 |
| 4 | Volvo S60 | $1,524 | -$162 |
| 5 | BMW 320i | $1,530 | -$156 |
| 6 | Audi S3 | $1,532 | -$154 |
| 7 | Alfa Romeo Giulia | $1,560 | -$126 |
| 8 | BMW 328d | $1,562 | -$124 |
| 9 | BMW 330xi | $1,582 | -$104 |
| 10 | Lexus RC 350 | $1,598 | -$88 |
| 11 | BMW 330e | $1,602 | -$84 |
| 12 | BMW i3 | $1,614 | -$72 |
| 13 | BMW 328xi | $1,626 | -$60 |
| 14 | Mercedes-Benz C300 | $1,650 | -$36 |
| 15 | Cadillac ATS | $1,656 | -$30 |
| 16 | Mercedes-Benz B250E | $1,666 | -$20 |
| 17 | BMW M240i | $1,670 | -$16 |
| 18 | Lexus IS 350 | $1,674 | -$12 |
| 19 | Audi A4 | $1,674 | -$12 |
| 20 | Mercedes-Benz AMG SLC43 | $1,680 | -$6 |
| 21 | Lexus RC 200T | $1,686 | -- |
| 22 | Lexus IS 200T | $1,692 | $6 |
| 23 | Audi RS 3 | $1,754 | $68 |
| 24 | Lexus CT 200H | $1,778 | $92 |
| 25 | BMW 340i | $1,826 | $140 |
| 26 | Lexus GS 200T | $1,846 | $160 |
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 vehicle from the 2017 model year. Updated February 23, 2024
Other RC 200T car insurance rates
Some additional example insurance rates are included below, along with some tips and policy discounts that could save you a few bucks on your next policy.
- Tickets and violations can cost a lot. If you want to get the lowest-priced RC 200T insurance rates, it pays to be an excellent driver. As a matter of fact, just a couple of minor infractions on your driving record have the potential to raise the price of a policy as much as $446 per year. Major convictions such as DUI/DWI and leaving the scene of an accident could raise rates by an additional $1,560 or more.
- Young males pay a lot more for insurance. For a 2017 Lexus RC 200T, a 20-year-old male driver receives an average rate of $3,398 per year, while a 20-year-old female driver pays an average of $2,434, a difference of $964 per year. Women get significantly cheaper rates. But by age 50, male driver rates are $1,494 and the cost for a female driver is $1,458, a difference of only $36.
- Insurance for teenage drivers is expensive. Average rates for full coverage RC 200T insurance cost $5,980 per year for a 16-year-old driver, $5,807 per year for a 17-year-old driver, $5,225 per year for an 18-year-old driver, and $4,749 per year for a 19-year-old driver.
- Improve your credit rating to save on insurance. Having an excellent credit rating above 800 could save around $265 per year over a good rating of 670-739. Conversely, a weaker credit score below 579 could cost as much as $307 more per year.
- Your employment could save you money. Most auto insurance companies offer discounts for working in professions like college professors, dentists, police officers and law enforcement, members of the military, high school and elementary teachers, and others. If you qualify, you could save between $51 and $148 on your yearly RC 200T insurance cost, depending on the policy coverages.
- Careful drivers have lower rates. Causing too many accidents will raise rates, potentially by an extra $808 per year for a 30-year-old driver and even $404 per year for a 60-year-old driver.