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 $1,956 annually for full coverage, which is the equivalent of about $163 a month.

Collision coverage is around $976 a year, liability and medical (or PIP) coverage will cost around $402, and the remaining comprehensive (or other-than-collision) coverage is an estimated $578.

The chart below shows estimated annual insurance rates on a 2023 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 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 March 2, 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$4,376$365
Safe Driver Age 20$3,840$320
At-fault Accidents Age 40$2,704$225
Low Deductibles Age 40$2,638$220
Safe Driver Age 30$2,088$174
Safe Driver Age 40$1,956$163
Safe Driver Age 50$1,774$148
Safe Driver Age 60$1,740$145
Discount Rate Age 40$1,628$136
High Deductibles Age 40$1,602$134

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 ($1,956 per year) and a 20-year-old driver ($3,840 per year) is $1,884, or a savings of 65%.
  • 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 $490 per year. Serious violations such as driving under the influence of drugs or alcohol could raise rates by an additional $1,728 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 $307 per year compared to a lower credit score of 670-739. Conversely, a below average credit rating could cost up to $356 more per year.
  • Driver gender influences rates. For a 2023 Lexus RC 350, a 20-year-old male pays an estimated $3,840 per year, while a 20-year-old female driver will pay $2,854, a difference of $986 per year in favor of the women by a long shot. But by age 50, the cost for men is $1,774 and the rate for females is $1,740, a difference of only $34.
  • 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 $328 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 $880 per year for a 30-year-old driver and even as much as $564 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 $59 and $178 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 $1,956 per year to insure and the class median rate is $1,942 annually, a difference of $14 per year.

When average insurance rates are compared to the top-selling other small luxury cars, insurance for a Lexus RC 350 costs $164 more per year than the BMW 330i, $8 more than the Mercedes-Benz C300, $14 less than the Volvo S60, and $134 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 March 2, 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$1,584-$372
2BMW 330i$1,792-$164
3Acura TLX$1,822-$134
4Cadillac CT4$1,842-$114
5Genesis G70$1,880-$76
6BMW 330e$1,910-$46
7BMW 228i$1,920-$36
8BMW 230i$1,932-$24
9Mercedes-Benz C300$1,948-$8
10Audi A4$1,954-$2
11Lexus RC 350$1,956--
12Audi S3$1,968$12
13Volvo S60$1,970$14
14Alfa Romeo Giulia$1,992$36
15BMW M235i$1,996$40
16Lexus IS 350$2,028$72
17Audi RS 3$2,106$150
18BMW M240i$2,146$190
19BMW M340i$2,156$200

New versus used insurance rates

Skipping a new 2023 model and instead driving a used Lexus RC 350 could save $384 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$1,956$978$163
2022 Lexus RC 350$1,834$917$153
2021 Lexus RC 350$1,778$889$148
2020 Lexus RC 350$1,750$875$146
2019 Lexus RC 350$1,698$849$142
2018 Lexus RC 350$1,644$822$137
2017 Lexus RC 350$1,572$786$131
2016 Lexus RC 350$1,654$827$138
2015 Lexus RC 350$1,736$868$145

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 March 2, 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 $1,310 a year in Virginia Beach, VA, or $1,452 in Columbus, OH, to more expensive rates like $3,050 a year in Las Vegas, NV, and $3,446 in New York City.

Additional rates include San Diego, CA, at $2,108 per year, Jacksonville, FL, at $2,096, San Antonio, TX, costing $1,810, and Denver, CO, averaging $2,300.

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 March 2, 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$3,446$287
Philadelphia, PA$3,058$255
Las Vegas, NV$3,050$254
Los Angeles, CA$3,044$254
San Francisco, CA$2,632$219
Kansas City, MO$2,344$195
Oklahoma City, OK$2,344$195
Denver, CO$2,300$192
Memphis, TN$2,300$192
Atlanta, GA$2,268$189
San Jose, CA$2,202$184
Phoenix, AZ$2,148$179
Portland, OR$2,120$177
San Diego, CA$2,108$176
Boston, MA$2,100$175
Jacksonville, FL$2,096$175
Chicago, IL$2,038$170
Dallas, TX$2,006$167
Houston, TX$1,996$166
Seattle, WA$1,990$166
Nashville, TN$1,914$160
Milwaukee, WI$1,908$159
Albuquerque, NM$1,870$156
San Antonio, TX$1,810$151
Omaha, NE$1,758$147
Fort Worth, TX$1,752$146
Austin, TX$1,730$144
Indianapolis, IN$1,576$131
Columbus, OH$1,452$121
Charlotte, NC$1,384$115

When comparing Lexus RC 350 rates at an overall state level, states like North Carolina ($1,222), Virginia ($1,300), and Maine ($1,176) tend to have cheaper car insurance rates, while states like Michigan ($2,670), Louisiana ($2,328), and Florida ($2,434) 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$1,760$880$147
Alaska$1,480$740$123
Arizona$1,794$897$150
Arkansas$2,046$1,023$171
California$2,364$1,182$197
Colorado$2,098$1,049$175
Connecticut$2,178$1,089$182
Delaware$2,224$1,112$185
Florida$2,434$1,217$203
Georgia$1,998$999$167
Hawaii$1,332$666$111
Idaho$1,394$697$116
Illinois$1,714$857$143
Indiana$1,460$730$122
Iowa$1,306$653$109
Kansas$1,926$963$161
Kentucky$2,096$1,048$175
Louisiana$2,328$1,164$194
Maine$1,176$588$98
Maryland$1,818$909$152
Massachusetts$2,132$1,066$178
Michigan$2,670$1,335$223
Minnesota$1,676$838$140
Mississippi$1,908$954$159
Missouri$2,206$1,103$184
Montana$1,794$897$150
Nebraska$1,634$817$136
Nevada$2,340$1,170$195
New Hampshire$1,310$655$109
New Jersey$2,368$1,184$197
New Mexico$1,608$804$134
New York$2,266$1,133$189
North Carolina$1,222$611$102
North Dakota$1,620$810$135
Ohio$1,364$682$114
Oklahoma$2,158$1,079$180
Oregon$1,826$913$152
Pennsylvania$1,878$939$157
Rhode Island$2,426$1,213$202
South Carolina$1,638$819$137
South Dakota$2,008$1,004$167
Tennessee$1,860$930$155
Texas$1,814$907$151
Utah$1,712$856$143
Vermont$1,420$710$118
Virginia$1,300$650$108
Washington$1,766$883$147
West Virginia$1,744$872$145
Wisconsin$1,398$699$117
Wyoming$1,738$869$145

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 March 2, 2023
Lexus RC 350 insurance rates by U.S. state