Lexus RC 350 Car Insurance Cost for 2022

• Lexus RC 350 car insurance cost an average of $1,686 per year, $843 for a 6-month policy, or $141 per month.
• The RC 350 is one of the cheaper small luxury cars to insure, costing $31 less per year on average as compared to other small luxury cars
• On a state level, insurance rates range from a low of $1,174 per year in Maine to $2,702 in Michigan.
• Rates in a few larger cities include $2,204 in Long Beach, CA, $1,798 in Seattle, WA, and $2,094 in Denver, CO.

How much does Lexus RC 350 car insurance cost?

Lexus RC 350 insurance costs an average of $1,686 annually for full coverage, which is the equivalent of about $141 a month.

Collision coverage is around $838 a year, liability and medical (or PIP) coverage will cost around $360, and the remaining comprehensive (or other-than-collision) coverage is an estimated $488.

The chart below shows estimated annual insurance rates on a 2022 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 2022 Lexus RC 350 insurance rates between a 40-year-old driver ($1,686 per year) and a 20-year-old driver ($3,312 per year) is $1,626, 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 $422 per year. Serious violations such as driving under the influence of drugs or alcohol could raise rates by an additional $1,494 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 $265 per year compared to a lower credit score of 670-739. Conversely, a below average credit rating could cost up to $307 more per year.
• Driver gender influences rates. For a 2022 Lexus RC 350, a 20-year-old male pays an estimated $3,312 per year, while a 20-year-old female driver will pay $2,460, a difference of $852 per year in favor of the women by a long shot. But by age 50, the cost for men is $1,530 and the rate for females is $1,498, 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 $284 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 $758 per year for a 30-year-old driver and even as much as $488 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 $158 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 $1,686 per year to insure and the class median rate is $1,717 annually, a difference of $31 per year.

When average insurance rates are compared to the top-selling other small luxury cars, insurance for a Lexus RC 350 costs $88 more per year than the BMW 330i, $116 less than the Mercedes-Benz C300, $62 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.

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.

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.

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 ($2,456), 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.