- Lexus RC F car insurance costs $2,330 per year on average, or about $194 per month for a policy with full coverage.
- When compared to other sports cars, the Lexus RC F is slightly cheaper to insure, costing $146 less per year than the segment average rate.
- On a state level, insurance rates range from a low of $1,414 per year in Maine to $3,136 in Michigan. Rates in a few larger cities include $2,716 in Denver, CO, $2,152 in San Antonio, TX, and $2,874 in Baltimore, MD.
How much does Lexus RC F car insurance cost?
Lexus RC F car insurance rates average $2,330 a year for full coverage, which is the equivalent of $194 a month. Comprehensive coverage will cost about $646 a year, liability and medical coverage costs an estimated $496, and the remaining collision coverage is an estimated $1,188.
The chart below shows how average RC F car insurance rates fluctuate based on driver age and comprehensive and collision deductibles. The cost values shown range from the lowest price of $1,710 per year for a 60-year-old driver with high policy deductibles to the highest cost of $5,474 per year for a driver age 20 with low deductibles.
The following table shows average Lexus RC F insurance costs for the 2015 to 2023 model years. Average prices range from $1,862 to $2,330 per year depending on the model year.
| Model Year and Vehicle | Annual Rate | 6-month Rate | Monthly Rate |
|---|---|---|---|
| 2023 Lexus RC F | $2,330 | $1,165 | $194 |
| 2022 Lexus RC F | $2,304 | $1,152 | $192 |
| 2021 Lexus RC F | $2,172 | $1,086 | $181 |
| 2020 Lexus RC F | $2,138 | $1,069 | $178 |
| 2019 Lexus RC F | $2,008 | $1,004 | $167 |
| 2018 Lexus RC F | $1,948 | $974 | $162 |
| 2017 Lexus RC F | $1,862 | $931 | $155 |
| 2016 Lexus RC F | $1,912 | $956 | $159 |
| 2015 Lexus RC F | $1,986 | $993 | $166 |
How does Lexus RC F insurance compare?
When compared to the best-selling models in the sports car category, insurance for a Lexus RC F costs $400 less per year than the Dodge Challenger, $328 more than the Subaru WRX, $38 less than the Chevrolet Camaro, and $96 more than the Chevrolet Corvette.
The Lexus RC F ranks 13th out of 26 comparison vehicles in the sports car segment. The RC F costs an estimated $2,330 per year for insurance and the segment average rate is $2,476 per year, a difference of $146 per year.
The table below shows how insurance cost for a 2023 Lexus RC F compares to all other midsize luxury models.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Mazda MX-5 Miata | $1,672 | -$658 |
| 2 | Audi TT | $1,876 | -$454 |
| 3 | Ford Mustang | $1,964 | -$366 |
| 4 | BMW Z4 | $1,978 | -$352 |
| 5 | Subaru WRX | $2,002 | -$328 |
| 6 | Nissan Z | $2,032 | -$298 |
| 7 | Toyota GR Supra | $2,066 | -$264 |
| 8 | Toyota GR86 | $2,092 | -$238 |
| 9 | BMW M2 | $2,102 | -$228 |
| 10 | Subaru BRZ | $2,186 | -$144 |
| 11 | Chevrolet Corvette | $2,234 | -$96 |
| 12 | BMW M3 | $2,282 | -$48 |
| 13 | Lexus RC F | $2,330 | -- |
| 14 | Porsche 718 | $2,334 | $4 |
| 15 | Chevrolet Camaro | $2,368 | $38 |
| 16 | Mercedes-Benz AMG GT53 | $2,512 | $182 |
| 17 | Jaguar F-Type | $2,600 | $270 |
| 18 | Porsche Taycan | $2,656 | $326 |
| 19 | BMW M4 | $2,692 | $362 |
| 20 | Lexus LC 500 | $2,722 | $392 |
| 21 | Dodge Challenger | $2,730 | $400 |
| 22 | Porsche 911 | $2,964 | $634 |
| 23 | Acura NSX | $3,354 | $1,024 |
| 24 | Audi R8 | $3,468 | $1,138 |
| 25 | Mercedes-Benz SL 55 | $3,474 | $1,144 |
| 26 | Mercedes-Benz SL 63 | $3,698 | $1,368 |
Is Lexus RC F insurance expensive?
The cost of insuring a Lexus RC F can differ widely, from cheaper rates like $1,656 a year in Charlotte, NC, or $1,472 in Raleigh, NC, to more expensive rates such as $3,592 a year in Las Vegas, NV, and $3,314 in Miami, FL.
Other larger metro area rates include Wichita, KS, at an estimated $2,420 per year, Chicago, IL, costing $2,418, Houston, TX, averaging $2,366, and Denver, CO, at $2,716.
The following bar chart details average Lexus RC F car insurance rates in the 15 largest metro areas in the U.S. Following the chart, you will see an expanded table breaking down typical rates for the 50 biggest U.S. metro regions.
| City/State | Annual Rate | Monthly Rate |
|---|---|---|
| New York, NY | $4,052 | $338 |
| Philadelphia, PA | $3,602 | $300 |
| Las Vegas, NV | $3,592 | $299 |
| Los Angeles, CA | $3,582 | $299 |
| San Francisco, CA | $3,106 | $259 |
| Kansas City, MO | $2,770 | $231 |
| Oklahoma City, OK | $2,770 | $231 |
| Denver, CO | $2,716 | $226 |
| Memphis, TN | $2,716 | $226 |
| Atlanta, GA | $2,684 | $224 |
| San Jose, CA | $2,608 | $217 |
| Phoenix, AZ | $2,540 | $212 |
| Portland, OR | $2,510 | $209 |
| San Diego, CA | $2,494 | $208 |
| Boston, MA | $2,486 | $207 |
| Jacksonville, FL | $2,474 | $206 |
| Chicago, IL | $2,418 | $202 |
| Dallas, TX | $2,378 | $198 |
| Houston, TX | $2,366 | $197 |
| Seattle, WA | $2,360 | $197 |
| Nashville, TN | $2,272 | $189 |
| Milwaukee, WI | $2,260 | $188 |
| Albuquerque, NM | $2,220 | $185 |
| San Antonio, TX | $2,152 | $179 |
| Omaha, NE | $2,092 | $174 |
| Fort Worth, TX | $2,082 | $174 |
| Austin, TX | $2,056 | $171 |
| Indianapolis, IN | $1,878 | $157 |
| Columbus, OH | $1,732 | $144 |
| Charlotte, NC | $1,656 | $138 |
Average insurance rates by state
When looking at average Lexus RC F car insurance rates from the state level, states like Virginia ($1,558), Iowa ($1,568), and North Carolina ($1,466) have cheaper rates, while states like Louisiana ($2,740), Michigan ($3,136), and Florida ($2,868) have more expensive insurance rates.
The next table breaks down average rates for Lexus RC F insurance for each U.S. state.
| U.S. State | Annual Cost | Six-month Cost | Monthly Cost |
|---|---|---|---|
| Alabama | $2,092 | $1,046 | $174 |
| Alaska | $1,768 | $884 | $147 |
| Arizona | $2,130 | $1,065 | $178 |
| Arkansas | $2,426 | $1,213 | $202 |
| California | $2,796 | $1,398 | $233 |
| Colorado | $2,484 | $1,242 | $207 |
| Connecticut | $2,580 | $1,290 | $215 |
| Delaware | $2,634 | $1,317 | $220 |
| Florida | $2,868 | $1,434 | $239 |
| Georgia | $2,370 | $1,185 | $198 |
| Hawaii | $1,596 | $798 | $133 |
| Idaho | $1,668 | $834 | $139 |
| Illinois | $2,042 | $1,021 | $170 |
| Indiana | $1,746 | $873 | $146 |
| Iowa | $1,568 | $784 | $131 |
| Kansas | $2,284 | $1,142 | $190 |
| Kentucky | $2,484 | $1,242 | $207 |
| Louisiana | $2,740 | $1,370 | $228 |
| Maine | $1,414 | $707 | $118 |
| Maryland | $2,158 | $1,079 | $180 |
| Massachusetts | $2,522 | $1,261 | $210 |
| Michigan | $3,136 | $1,568 | $261 |
| Minnesota | $1,998 | $999 | $167 |
| Mississippi | $2,264 | $1,132 | $189 |
| Missouri | $2,614 | $1,307 | $218 |
| Montana | $2,132 | $1,066 | $178 |
| Nebraska | $1,944 | $972 | $162 |
| Nevada | $2,766 | $1,383 | $231 |
| New Hampshire | $1,568 | $784 | $131 |
| New Jersey | $2,802 | $1,401 | $234 |
| New Mexico | $1,914 | $957 | $160 |
| New York | $2,680 | $1,340 | $223 |
| North Carolina | $1,466 | $733 | $122 |
| North Dakota | $1,930 | $965 | $161 |
| Ohio | $1,634 | $817 | $136 |
| Oklahoma | $2,552 | $1,276 | $213 |
| Oregon | $2,168 | $1,084 | $181 |
| Pennsylvania | $2,232 | $1,116 | $186 |
| Rhode Island | $2,864 | $1,432 | $239 |
| South Carolina | $1,950 | $975 | $163 |
| South Dakota | $2,382 | $1,191 | $199 |
| Tennessee | $2,210 | $1,105 | $184 |
| Texas | $2,158 | $1,079 | $180 |
| Utah | $2,040 | $1,020 | $170 |
| Vermont | $1,700 | $850 | $142 |
| Virginia | $1,558 | $779 | $130 |
| Washington | $2,098 | $1,049 | $175 |
| West Virginia | $2,074 | $1,037 | $173 |
| Wisconsin | $1,672 | $836 | $139 |
| Wyoming | $2,066 | $1,033 | $172 |
