Lexus RC 350 Insurance Costs: Rates, Rankings, and Insights

• Lexus RC 350 car insurance cost an average of $2,604 per year, $1,302 for a 6-month policy, or $217 per month.
• The RC 350 is one of the cheaper small luxury cars to insure, costing $37 less per year on average as compared to other small luxury cars
• On a state level, insurance rates range from a low of $1,982 per year in Maine to $3,132 in Michigan.

How much does Lexus RC 350 car insurance cost?

Lexus RC 350 insurance costs an average of $2,604 annually for full coverage, which is the equivalent of about $217 a month.

Collision coverage is around $1,186 a year, liability and medical (or PIP) coverage will cost around $636, and the remaining comprehensive (or other-than-collision) coverage is an estimated $782.

The chart below shows estimated annual insurance rates on a 2024 Lexus RC 350 using a range of driver ages and risk profiles.

Some additional rate insights and possible discounts to watch for are as follows:

• Rates trend downward as age increases. The difference in 2024 Lexus RC 350 insurance rates between a 40-year-old driver ($2,604 per year) and a 20-year-old driver ($5,118 per year) is $2,514, or a savings of 65.1%.
• Avoid driving violations to reduce insurance cost. To get the cheapest possible RC 350 insurance rates, it’s necessary to avoid traffic tickets. In fact, just a couple blemishes on your driving record could increase RC 350 insurance rates by up to $658 per year. Serious violations such as driving under the influence of drugs or alcohol could raise rates by an additional $2,310 or more.
• Great credit can mean great car insurance rates. In states that allow a driver’s personal credit information to be used as a rate factor, drivers who have credit scores over 800 could save $409 per year compared to a lower credit score of 670-739. Conversely, a below average credit rating could cost up to $474 more per year.
• Driver gender influences rates. For a 2024 Lexus RC 350, a 20-year-old male pays an estimated $5,118 per year, while a 20-year-old female driver will pay $3,706, a difference of $1,412 per year in favor of the women by a long shot. But by age 50, the cost for men is $2,300 and the rate for females is $2,248, a difference of only $52.
• Research discounts to save money. Discounts may be available if the insured drivers are accident-free, are homeowners, belong to certain professional organizations, work in certain occupations, are away-from-home students, or many other discounts which could save the average driver as much as $438 per year on their insurance cost.
• Fewer accidents means cheaper Lexus RC 350 car insurance rates. Having frequent at-fault accidents will raise rates, potentially by an additional $1,200 per year for a 30-year-old driver and even as much as $710 per year for a 50-year-old driver.
• Get a discount from your choice of occupation. Just about all car insurance companies offer discounts for being employed in occupations like engineers, emergency medical technicians, college professors, members of the military, police officers and law enforcement, high school and elementary teachers, and other occupations. By earning this discount on your policy you could potentially save between $78 and $233 on your yearly car insurance bill, subject to policy limits.

How do Lexus RC 350 insurance rates compare?

The Lexus RC 350 ranks seventh out of 18 total vehicles in the 2024 small luxury car category for car insurance affordability.

The RC 350 costs an average of $2,604 per year to insure and the class median rate is $2,641 annually, a difference of $37 per year.

When average insurance rates are compared to other small luxury cars, insurance for a Lexus RC 350 costs $26 less per year than the BMW 230i, $100 less per year than the Alfa Romeo Giulia, and $158 less per year than the Audi A4.

The chart below shows how Lexus RC 350 insurance rates compare to the ten most popular small luxury cars. An additional table is included after the chart that displays insurance rate rankings for the entire small luxury car class.

New versus used insurance rates

Skipping a new 2024 model and instead driving a used Lexus RC 350 could save $584 per year or more. Older models generally have lower insurance rates since the cost to replace them is also less.

The following table illustrates typical insurance cost data for a Lexus RC 350 for a range of model years.

Lexus RC 350 average insurance cost by location

Depending on your address, the insurance cost for a Lexus RC 350 varies significantly from cheaper rates like $2,110 a year in Virginia Beach, VA, or $2,244 in Columbus, OH, to more expensive rates like $3,790 a year in Las Vegas, NV, and $4,172 in New York City.

Additional rates include San Diego, CA, at $2,876 per year, Jacksonville, FL, at $2,702, San Antonio, TX, costing $2,590, and Denver, CO, averaging $3,064.

The bar chart below ranks typical full coverage insurance policy costs for a 2024 Lexus RC 350 for some of the largest cities in the U.S.

When comparing Lexus RC 350 rates at an overall state level, states like North Carolina ($2,024), Virginia ($2,098), and Maine ($1,982) tend to have cheaper car insurance rates, while states like Michigan ($3,132), Louisiana ($2,924), and Florida ($3,028) have higher insurance rates.

The table below shows the estimated cost of full coverage Lexus RC 350 car insurance in all 50 states broken down by annual, 6-month, and monthly cost.