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Lexus RC 350 Car Insurance Cost

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Are you looking for a new or used Lexus RC 350? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Lexus RC 350 car insurance facts

  • Average full coverage auto insurance premium: $157/month

  • Most affordable companies: GEICO ($97/month) & Progressive ($104/month)

  • RC 350 car insurance cost vs. average rates: $65 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus RC 350 by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Below average Lexus RC 350 insurer costs by state:

How much does it cost to insure my Lexus RC 350?

Select the year of your car:

2021 Lexus RC 350

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Average Cost to Insure Per Year

$1,879

List Price

$45,150

Trims Available

Base - Base Engine: 306-hp V-6 and eight-speed automatic with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2020 Lexus RC 350

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Average Cost to Insure Per Year

$1,836

List Price

$44,225

Trims Available

Base - Base Engine: 306-hp V-6 and eight-speed automatic with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2019 Lexus RC 350

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Average Cost to Insure Per Year

$1,820

List Price

$43,895

Trims Available

Base - Base Engine: 306-hp V-6 and eight-speed automatic with Driver Assist Lexus Safety System Plus

2018 Lexus RC 350

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Average Cost to Insure Per Year

$1,795

List Price

$44,000

Trims Available

Base - Base Engine: 306-hp V-6 and eight-speed automatic with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2017 Lexus RC 350

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Average Cost to Insure Per Year

$1,760

List Price

$43,985

Trims Available

Base - Base Engine: 306-hp V-6 and eight-speed automatic with Driver Assist Lexus Safety System Plus with Pre-Collision System with Daytime/Low-Light Vehicle and Pedestrian Detection, Daytime Bicyclist Detection, Dynamic Radar Cruise Control with All-Speed Range, Lane Departure Alert with Steering Assist, Intelligent High Beams, Road Sign Assist, Lane Tracing Assist. Passive and Active Safety Features: Airbags, Rear Cross Traffic Alert, 4-Wheel ABS, 4-Wheel Disc Brakes, Ignition Disable Device, Security System, Low-speed Automatic Emergency Braking, and Pretensioners.

2016 Lexus RC 350

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Average Cost to Insure Per Year

$1,756

List Price

$42,780

Trims Available

Base

2015 Lexus RC 350

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Average Cost to Insure Per Year

$1,648

List Price

$42,790

Trims Available

Base

Risk factors affecting Lexus RC 350 coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Lexus RC 350 insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Lexus models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Lexus luxury automobile brand

Lexus is a luxury car division of Toyota, a Japanese automobile manufacturer specializing in reliable luxury cars with high-quality comfort and impressive resale values. The target audience of Lexus is the upper-middle-class finance and banking executives that demand upscale interiors, style, and advanced driver technologies. All Lexus automobiles have high safety ratings, with many of their vehicles getting "Top Safety Pick" and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Lexus RX 350, ES 350, and RC 300 are some of their most popular cars.

High Lexus RC 350 repair costs equal high coverage rates

Many consumers are attracted to Lexus' upscale driving experience, outstanding quality, and driver-assist technologies, like the Lexus Safety System+ with pre-collision and dynamic radar safety features. Automotive parts are common and more expensive than popular vehicles, like ToyotaHonda, or Subaru. Repairing a Lexus is higher than average since repair parts are more expensive. For this reason, many Lexus cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Lexus RC 350 affecting auto policies

Another factor to consider for Lexus is rapid depreciation, affecting auto insurance rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Lexus models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

Excellent Lexus IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Lexus is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Lexus' Safety System+ technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Lexus models. The Lexus ES 350, Lexus IS, NX 4, and RX 4 are the Insurance Institute for Highway Safety (IIHS) "Top Safety Picks." The NHTSA consistently gives Lexus automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Lexus automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

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