Lexus RC 350 Car Insurance Cost for 2023

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 $2,010 annually for full coverage, which is the equivalent of about $168 a month.

Collision coverage is around $1,004 a year, liability and medical (or PIP) coverage will cost around $412, and the remaining comprehensive (or other-than-collision) coverage is an estimated $594.

The chart below shows estimated annual insurance rates on a 2023 Lexus RC 350 using a range of driver ages and risk profiles.

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Chart Data Details: Average rates are for a 2023 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 August 12, 2023
Lexus RC 350 Insurance Cost Summary
2023 Lexus RC 350 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,502$375
Safe Driver Age 20$3,948$329
At-fault Accidents Age 40$2,782$232
Low Deductibles Age 40$2,712$226
Safe Driver Age 30$2,144$179
Safe Driver Age 40$2,010$168
Safe Driver Age 50$1,824$152
Safe Driver Age 60$1,790$149
Discount Rate Age 40$1,674$140
High Deductibles Age 40$1,646$137

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

  • Rates trend downward as age increases. The difference in 2023 Lexus RC 350 insurance rates between a 40-year-old driver ($2,010 per year) and a 20-year-old driver ($3,948 per year) is $1,938, 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 $504 per year. Serious violations such as driving under the influence of drugs or alcohol could raise rates by an additional $1,780 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 $316 per year compared to a lower credit score of 670-739. Conversely, a below average credit rating could cost up to $366 more per year.
  • Driver gender influences rates. For a 2023 Lexus RC 350, a 20-year-old male pays an estimated $3,948 per year, while a 20-year-old female driver will pay $2,932, a difference of $1,016 per year in favor of the women by a long shot. But by age 50, the cost for men is $1,824 and the rate for females is $1,786, a difference of only $38.
  • 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 $336 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 $904 per year for a 30-year-old driver and even as much as $584 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 $60 and $183 on your yearly car insurance bill, subject to policy limits.

How do Lexus RC 350 insurance rates compare?

The Lexus RC 350 ranks 11th out of 19 total vehicles in the 2023 small luxury car category for car insurance affordability.

The RC 350 costs an average of $2,010 per year to insure and the class median rate is $1,994 annually, a difference of $16 per year.

When average insurance rates are compared to the top-selling other small luxury cars, insurance for a Lexus RC 350 costs $172 more per year than the BMW 330i, $12 more than the Mercedes-Benz C300, $14 less than the Volvo S60, and $142 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 2023 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 August 12, 2023
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
1Acura Integra$1,624-$386
2BMW 330i$1,838-$172
3Acura TLX$1,868-$142
4Cadillac CT4$1,890-$120
5Genesis G70$1,928-$82
6BMW 330e$1,960-$50
7BMW 228i$1,970-$40
8BMW 230i$1,984-$26
9Mercedes-Benz C300$1,998-$12
10Audi A4$2,006-$4
11Lexus RC 350$2,010--
12Audi S3$2,020$10
13Volvo S60$2,024$14
14Alfa Romeo Giulia$2,044$34
15BMW M235i$2,050$40
16Lexus IS 350$2,084$74
17Audi RS 3$2,162$152
18BMW M240i$2,208$198
19BMW M340i$2,212$202

New versus used insurance rates

Skipping a new 2023 model and instead driving a used Lexus RC 350 could save $396 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 2015-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Lexus RC 350$2,010$1,005$168
2022 Lexus RC 350$1,882$941$157
2021 Lexus RC 350$1,824$912$152
2020 Lexus RC 350$1,792$896$149
2019 Lexus RC 350$1,740$870$145
2018 Lexus RC 350$1,688$844$141
2017 Lexus RC 350$1,614$807$135
2016 Lexus RC 350$1,696$848$141
2015 Lexus RC 350$1,782$891$149

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 August 12, 2023
Lexus RC 350 Insurance Cost by Model Year

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 $1,354 a year in Virginia Beach, VA, or $1,494 in Columbus, OH, to more expensive rates like $3,098 a year in Las Vegas, NV, and $3,492 in New York City.

Additional rates include San Diego, CA, at $2,152 per year, Jacksonville, FL, at $2,136, San Antonio, TX, costing $1,854, and Denver, CO, averaging $2,344.

The bar chart below ranks typical full coverage insurance policy costs for a 2023 Lexus RC 350 for some of the largest cities in the U.S.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 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 August 12, 2023
Lexus RC 350 Insurance Rates in Large U.S. Cities
Lexus RC 350 Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,492$291
Philadelphia, PA$3,106$259
Las Vegas, NV$3,098$258
Los Angeles, CA$3,090$258
San Francisco, CA$2,682$224
Kansas City, MO$2,390$199
Oklahoma City, OK$2,390$199
Denver, CO$2,344$195
Memphis, TN$2,344$195
Atlanta, GA$2,316$193
San Jose, CA$2,252$188
Phoenix, AZ$2,192$183
Portland, OR$2,164$180
San Diego, CA$2,152$179
Boston, MA$2,144$179
Jacksonville, FL$2,136$178
Chicago, IL$2,084$174
Dallas, TX$2,052$171
Houston, TX$2,042$170
Seattle, WA$2,036$170
Nashville, TN$1,960$163
Milwaukee, WI$1,952$163
Albuquerque, NM$1,916$160
San Antonio, TX$1,854$155
Omaha, NE$1,802$150
Fort Worth, TX$1,796$150
Austin, TX$1,772$148
Indianapolis, IN$1,618$135
Columbus, OH$1,494$125
Charlotte, NC$1,432$119

When comparing Lexus RC 350 rates at an overall state level, states like North Carolina ($1,266), Virginia ($1,344), and Maine ($1,220) tend to have cheaper car insurance rates, while states like Michigan ($2,704), Louisiana ($2,362), and Florida ($2,472) 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.

Lexus RC 350 Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,804$902$150
Alaska$1,524$762$127
Arizona$1,838$919$153
Arkansas$2,094$1,047$175
California$2,412$1,206$201
Colorado$2,144$1,072$179
Connecticut$2,226$1,113$186
Delaware$2,270$1,135$189
Florida$2,472$1,236$206
Georgia$2,042$1,021$170
Hawaii$1,378$689$115
Idaho$1,440$720$120
Illinois$1,760$880$147
Indiana$1,504$752$125
Iowa$1,352$676$113
Kansas$1,970$985$164
Kentucky$2,140$1,070$178
Louisiana$2,362$1,181$197
Maine$1,220$610$102
Maryland$1,862$931$155
Massachusetts$2,178$1,089$182
Michigan$2,704$1,352$225
Minnesota$1,720$860$143
Mississippi$1,952$976$163
Missouri$2,254$1,127$188
Montana$1,840$920$153
Nebraska$1,678$839$140
Nevada$2,386$1,193$199
New Hampshire$1,354$677$113
New Jersey$2,418$1,209$202
New Mexico$1,650$825$138
New York$2,310$1,155$193
North Carolina$1,266$633$106
North Dakota$1,664$832$139
Ohio$1,410$705$118
Oklahoma$2,202$1,101$184
Oregon$1,870$935$156
Pennsylvania$1,924$962$160
Rhode Island$2,472$1,236$206
South Carolina$1,684$842$140
South Dakota$2,058$1,029$172
Tennessee$1,906$953$159
Texas$1,860$930$155
Utah$1,760$880$147
Vermont$1,466$733$122
Virginia$1,344$672$112
Washington$1,810$905$151
West Virginia$1,788$894$149
Wisconsin$1,442$721$120
Wyoming$1,784$892$149

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 August 11, 2023
Lexus RC 350 insurance rates by U.S. state