Lexus RC 350 Car Insurance Cost for 2022

How much does insurance cost for a Lexus RC 350? We calculated average rates for all trim levels and models since 2013 and compared them to the compact luxury car competition.

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How much does Lexus RC 350 car insurance cost?

Lexus RC 350 insurance costs an average of $1,698 annually for full coverage, which is the equivalent of about $142 a month.

Collision coverage is around $844 a year, liability and medical (or PIP) coverage will cost around $362, and the remaining comprehensive (or other-than-collision) coverage is an estimated $492.

The chart below shows estimated annual insurance rates on a 2022 Lexus RC 350 using a range of driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Lexus RC 350 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Lexus RC 350 trim levels.Data last updated on June 24, 2022
Lexus RC 350 Insurance Cost Summary
Lexus RC 350 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,806$317
Safe Driver Age 20$3,338$278
At-fault Accidents Age 40$2,352$196
Low Deductibles Age 40$2,284$190
Safe Driver Age 30$1,812$151
Safe Driver Age 40$1,698$142
Safe Driver Age 50$1,542$129
Safe Driver Age 60$1,512$126
Discount Rate Age 40$1,416$118
High Deductibles Age 40$1,394$116

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

  • Rates trend downward as age increases. The difference in 2022 Lexus RC 350 insurance rates between a 40-year-old driver ($1,698 per year) and a 20-year-old driver ($3,338 per year) is $1,640, or a savings of 49.1%.
  • 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 $428 per year. Serious violations such as driving under the influence of drugs or alcohol could raise rates by an additional $1,506 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 $267 per year compared to a lower credit score of 670-739. Conversely, a below average credit rating could cost up to $309 more per year.
  • Driver gender influences rates. For a 2022 Lexus RC 350, a 20-year-old male pays an estimated $3,338 per year, while a 20-year-old female driver will pay $2,476, a difference of $862 per year in favor of the women by a long shot. But by age 50, the cost for men is $1,542 and the rate for females is $1,510, a difference of only $32.
  • 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 $282 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 $766 per year for a 30-year-old driver and even as much as $496 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 $51 and $159 on your yearly car insurance bill, subject to policy limits.

How does RC 350 insurance cost compare?

The Lexus RC 350 ranks #10 out of 19 total vehicles in the 2022 small luxury car category for car insurance affordability.

The RC 350 costs an average of $1,698 per year to insure and the class median rate is $1,730 annually, a difference of $32 per year.

When average insurance rates are compared to the top-selling other small luxury cars, insurance for a Lexus RC 350 costs $86 more per year than the BMW 330i, $116 less than the Mercedes-Benz C300, $60 more than the Volvo S60, and $78 more than the Acura TLX.

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Lexus RC 350, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Lexus RC 350 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Lexus RC 350 vs Top 10 Small Luxury Cars Insurance Rate Comparison
Lexus RC 350 Insurance Cost Compared to All Small Luxury Cars
Rank Make/Model Insurance Cost Difference
1Mercedes-Benz A220$1,500-$198
2BMW 330i$1,612-$86
3Acura TLX$1,620-$78
4Volvo S60$1,638-$60
5BMW 330e$1,642-$56
6BMW 228i$1,652-$46
7BMW 230i$1,664-$34
8Alfa Romeo Giulia$1,692-$6
9Cadillac CT4$1,694-$4
10Lexus RC 350$1,698--
11Genesis G70$1,720$22
12Audi A4$1,766$68
13Audi S3$1,772$74
14Mercedes-Benz C300$1,814$116
15BMW M235i$1,852$154
16Audi RS 3$1,856$158
17BMW M240i$1,884$186
18Lexus IS 350$1,898$200
19BMW M340i$1,902$204

Do used RC 350 models save on insurance?

Skipping a new 2022 model and instead driving a used Lexus RC 350 could save $216 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 Insurance Cost for 2015-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Lexus RC 350$1,698$849$142
2021 Lexus RC 350$1,636$818$136
2020 Lexus RC 350$1,600$800$133
2019 Lexus RC 350$1,572$786$131
2018 Lexus RC 350$1,528$764$127
2017 Lexus RC 350$1,482$741$124
2016 Lexus RC 350$1,544$772$129
2015 Lexus RC 350$1,644$822$137

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Lexus RC 350 Insurance Cost by Model Year

How much does where I live impact insurance cost?

Depending on your address, the insurance cost for a Lexus RC 350 varies significantly from cheaper rates like $1,140 a year in Virginia Beach, VA, or $1,276 in Columbus, OH, to more expensive rates like $2,820 a year in Las Vegas, NV, and $3,200 in New York City.

Additional rates include San Diego, CA, at $1,910 per year, Jacksonville, FL, at $2,404, San Antonio, TX, costing $1,624, and Denver, CO, averaging $2,094.

The bar chart below ranks typical full coverage insurance policy costs for a Lexus RC 350 for some of the largest cities in the U.S. In addition, a more comprehensive table is included detailing typical rates in an additional 35 cities.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Lexus RC 350, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Lexus RC 350 trim levels.Data last updated on June 24, 2022
Lexus RC 350 Insurance Rates in Large U.S. Cities
Lexus RC 350 Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$6,642$554
New Orleans, LA$3,968$331
Miami, FL$3,278$273
New York, NY$3,200$267
Philadelphia, PA$2,828$236
Las Vegas, NV$2,820$235
Los Angeles, CA$2,812$234
Louisville, KY$2,698$225
San Francisco, CA$2,416$201
Jacksonville, FL$2,404$200
Oakland, CA$2,402$200
Sacramento, CA$2,274$190
Baltimore, MD$2,224$185
Long Beach, CA$2,204$184
Tulsa, OK$2,156$180
Oklahoma City, OK$2,140$178
Kansas City, MO$2,140$178
Denver, CO$2,094$175
Memphis, TN$2,094$175
Atlanta, GA$2,066$172
Colorado Springs, CO$2,046$171
Fresno, CA$2,020$168
San Jose, CA$2,004$167
Phoenix, AZ$1,950$163
Portland, OR$1,922$160
San Diego, CA$1,910$159
Boston, MA$1,900$158
Chicago, IL$1,846$154
Wichita, KS$1,846$154
Dallas, TX$1,812$151
Houston, TX$1,802$150
Seattle, WA$1,798$150
Minneapolis, MN$1,784$149
Birmingham, AL$1,776$148
Nashville, TN$1,724$144
Milwaukee, WI$1,714$143
Mesa, AZ$1,708$142
Indianapolis, IN$1,706$142
Albuquerque, NM$1,682$140
Tucson, AZ$1,644$137
San Antonio, TX$1,624$135
Omaha, NE$1,574$131
Fort Worth, TX$1,566$131
El Paso, TX$1,562$130
Austin, TX$1,544$129
Cleveland, OH$1,344$112
Columbus, OH$1,276$106
Charlotte, NC$1,212$101
Virginia Beach, VA$1,140$95
Raleigh, NC$1,058$88

Lexus RC 350 insurance rates by state

When comparing Lexus RC 350 rates at an overall state level, states like North Carolina ($1,078), Virginia ($1,094), and Maine ($1,174) tend to have cheaper car insurance rates, while states like Michigan ($2,702), Louisiana ($2,458), and Florida ($2,480) have higher insurance rates.

Most states align closer to the median, with states like Minnesota, South Carolina, and Pennsylvania having average Lexus RC 350 insurance rates of $1,492, $1,562, and $1,426 per year, respectively.

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.

Lexus RC 350 Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,384$692$115
Alaska$1,488$744$124
Arizona$1,508$754$126
Arkansas$1,814$907$151
California$1,942$971$162
Colorado$1,810$905$151
Connecticut$1,644$822$137
Delaware$1,724$862$144
Florida$2,480$1,240$207
Georgia$1,640$820$137
Hawaii$1,152$576$96
Idaho$1,340$670$112
Illinois$1,370$685$114
Indiana$1,266$633$106
Iowa$1,226$613$102
Kansas$1,706$853$142
Kentucky$1,972$986$164
Louisiana$2,458$1,229$205
Maine$1,174$587$98
Maryland$1,532$766$128
Massachusetts$1,388$694$116
Michigan$2,702$1,351$225
Minnesota$1,492$746$124
Mississippi$1,602$801$134
Missouri$1,800$900$150
Montana$1,652$826$138
Nebraska$1,620$810$135
Nevada$1,860$930$155
New Hampshire$1,022$511$85
New Jersey$1,602$801$134
New Mexico$1,360$680$113
New York$1,804$902$150
North Carolina$1,078$539$90
North Dakota$1,410$705$118
Ohio$986$493$82
Oklahoma$1,650$825$138
Oregon$1,420$710$118
Pennsylvania$1,426$713$119
Rhode Island$1,998$999$167
South Carolina$1,562$781$130
South Dakota$1,536$768$128
Tennessee$1,342$671$112
Texas$1,596$798$133
Utah$1,400$700$117
Vermont$1,126$563$94
Virginia$1,094$547$91
Washington$1,286$643$107
West Virginia$1,526$763$127
Wisconsin$1,152$576$96
Wyoming$1,556$778$130

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Lexus RC 350, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Lexus RC 350 trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on June 24, 2022
Lexus RC 350 insurance rates by U.S. state