Lexus RC 300 Insurance: 2025 Rates, Insights, Comparisons

• Car insurance rates on a Lexus RC 300 cost an average of $2,462 per year, or around $205 per month, but can vary based on the limits of the policy.
• Ranked fifth out of 34 midsize luxury cars, insurance cost for the Lexus RC 300 costs $412 less per year than the average cost for the segment.

How much does Lexus RC 300 insurance cost?

Lexus RC 300 car insurance costs an average of $2,462 a year for full coverage, or around $205 each month. Expect to pay approximately $412 less annually for Lexus RC 300 insurance as compared to the average rate for midsize luxury cars, and $241 more per year than the $2,221 average for all vehicles.

The next price chart demonstrates how average 2024 Lexus RC 300 car insurance prices change based on the age of the driver and $250, $500, and $1,000 deductibles.

Average rates range from the lowest price of $1,696 per year for a 60-year-old driver with high policy deductibles to the more expensive rate of $5,760 annually for a driver age 20 with a deductible of $250.

The following table shows average Lexus RC 300 car insurance rates for the 2016 to 2024 model years for five different age groups.

How does Lexus RC 300 insurance cost compare?

The Lexus RC 300 ranks fifth out of 34 total comparison vehicles in the midsize luxury car segment for the most affordable car insurance cost. The RC 300 costs an estimated $2,462 per year for full coverage auto insurance, while the category average is $2,874 annually, a difference of $412 per year.

When insurance prices are compared to other vehicles in the midsize luxury car segment, car insurance rates for a Lexus RC 300 cost $16 more per year than the Lexus ES 350, $386 less than the BMW 530i, and $188 less than the Infiniti Q50.

The chart below shows how well the RC 300 fares against the top-selling midsize luxury cars in the United States like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S. A comprehensive table is included following the chart that displays insurance rates for the entire midsize luxury car category.