Lexus RC 350 Car Insurance Cost for 2023

• Lexus RC 350 car insurance cost an average of $1,956 per year, $978 for a 6-month policy, or $163 per month.
• The RC 350 is one of the more expensive small luxury cars to insure, costing $14 more per year on average as compared to other small luxury cars
• On a state level, insurance rates range from a low of $1,176 per year in Maine to $2,670 in Michigan.

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.

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 11^th 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.

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 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.

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.