Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Below average Lexus RC 350 insurer costs by state:

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.

2021 Lexus RC 350

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2219
Acuity$2325
Allied$2286
Allstate$1890
American Family$1681
Country Financial$2036
Erie$1426
GEICO$1175
Kentucky Farm Bureau$2149
Liberty Mutual$1482
Mercury$1781
Nationwide$1526
Progressive$1246
State Farm$1333
Tennessee Farmers$1732
Texas Farm Bureau$1530
The Hanover$2204
Travelers$1952

Compare all 2021 Lexus RC 350 rates

Average Cost to Insure Per Year

$1879

List Price

$45150

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2326
Allstate$1560
American Family$1649
Country Financial$2016
Erie$1361
GEICO$1139
Kentucky Farm Bureau$2143
Liberty Mutual$1447
Mercury$1744
Nationwide$1487
Progressive$1241
State Farm$1314
Tennessee Farmers$1718
Texas Farm Bureau$1520
The Hanover$2243
Travelers$1914

Compare all 2020 Lexus RC 350 rates

Average Cost to Insure Per Year

$1836

List Price

$44225

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2138
Allstate$1758
American Family$1548
Country Financial$1916
Erie$1352
GEICO$1126
Kentucky Farm Bureau$1962
Liberty Mutual$1389
Mercury$1703
Nationwide$1427
Progressive$1209
State Farm$1287
Tennessee Farmers$1690
Texas Farm Bureau$1517
The Hanover$2019
Travelers$1897

Compare all 2019 Lexus RC 350 rates

Average Cost to Insure Per Year

$1820

List Price

$43895

Trims Available

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

2018 Lexus RC 350

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1982
Allstate$1708
American Family$1530
Country Financial$1811
Erie$1298
GEICO$1088
Kentucky Farm Bureau$1829
Liberty Mutual$1344
Mercury$1674
Nationwide$1378
Progressive$1146
State Farm$1170
Tennessee Farmers$1615
Texas Farm Bureau$1462
The Hanover$1736
Travelers$1723

Compare all 2018 Lexus RC 350 rates

Average Cost to Insure Per Year

$1795

List Price

$44000

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1853
Allstate$1529
American Family$1328
Country Financial$1608
Erie$1135
GEICO$1079
Kentucky Farm Bureau$1635
Liberty Mutual$1190
Mercury$1419
Nationwide$1245
Progressive$1089
State Farm$1126
Tennessee Farmers$1387
Texas Farm Bureau$1264
The Hanover$1790
Travelers$1587

Compare all 2017 Lexus RC 350 rates

Average Cost to Insure Per Year

$1760

List Price

$43985

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1474
Acuity$ 1474
Allied$ 1654
Allied$ 1654
Country$ 1647
Country$ 1647
Erie$ 1032
Erie$ 1032
Mercury$ 1350
Mercury$ 1350
Nationwide$ 1676
Nationwide$ 1676
Plymouth Rock Insurance$ 1586
Plymouth Rock Insurance$ 1586
Progressive$ 1720
Progressive$ 1720
Tennessee Farmers$ 1273
Tennessee Farmers$ 1273
Texas Farm Bureau$ 1280
Texas Farm Bureau$ 1280
USAA$ 1404
USAA$ 1404
Vermont Mutual$ 1482
Vermont Mutual$ 1482

Compare all 2016 Lexus RC 350 rates

Average Cost to Insure Per Year

$ 1756

List Price

$ 42780

Trims Available

Base

2015 Lexus RC 350

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1389
Acuity$ 1389
Allied$ 1660
Allied$ 1660
Country$ 1565
Country$ 1565
Erie$ 992
Erie$ 992
GEICO$ 1588
GEICO$ 1588
Mercury$ 1333
Mercury$ 1333
Plymouth Rock Insurance$ 1541
Plymouth Rock Insurance$ 1541
State Farm$ 1626
State Farm$ 1626
Tennessee Farmers$ 1409
Tennessee Farmers$ 1409
Texas Farm Bureau$ 1222
Texas Farm Bureau$ 1222
USAA$ 1325
USAA$ 1325
Vermont Mutual$ 1372
Vermont Mutual$ 1372

Compare all 2015 Lexus RC 350 rates

Average Cost to Insure Per Year

$ 1648

List Price

$ 42790

Trims Available

Base