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...

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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...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Lexus RC F? 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 F car insurance facts

  • Average full coverage auto insurance premium: $247/month

  • Most affordable companies: GEICO ($155/month) & State Farm ($161/month)

  • RC F car insurance cost vs. average rates: $108 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus RC F 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.

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Below average Lexus RC F insurer costs by state:

Risk factors affecting Lexus RC F 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 F 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 F 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 F 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 F

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$2567
Allstate$2693
Auto-Owners$3019
Cincinnati Insurance$3249
Direct Auto$3112
Erie Insurance$2308
GEICO$1862
Kentucky Farm Bureau$3062
Liberty Mutual$2640
Mercury$2364
MetLife$3328
Nationwide$2094
Plymouth Rock$3192
Progressive$2812
Safe Auto$3640
State Farm$1942
Tennessee Farmers$2031
Texas Farm Bureau$2549
Travelers$2173

Compare all 2021 Lexus RC F rates

Average Cost to Insure Per Year

$2953

List Price

$65975

Trims Available

Base - Base Engine: 472-horsepower 5.0-liter V8 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 F

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$2509
Allstate$2640
Auto-Owners$2997
Erie Insurance$2271
Farmers$3024
GEICO$1790
Liberty Mutual$2597
Mercury$2319
MetLife$3262
Nationwide$2015
Progressive$2763
State Farm$1835
Tennessee Farmers$1960
Texas Farm Bureau$2367
The Hanover$3127
Travelers$2130

Compare all 2020 Lexus RC F rates

Average Cost to Insure Per Year

$2897

List Price

$64750

Trims Available

Base - Base Engine: 472-horsepower 5.0-liter V8 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 F

Cheapest Insurance CompaniesAverage Annual Cost
Allied Insurance$2491
Allstate$2612
Auto-Owners$2890
Erie Insurance$2187
GEICO$1723
Kentucky Farm Bureau$2961
Liberty Mutual$2570
Mercury$2290
MetLife$3123
Nationwide$1953
Progressive$2743
State Farm$1788
Tennessee Farmers$1865
Texas Farm Bureau$2346
The Hanover$3012
Travelers$2040

Compare all 2019 Lexus RC F rates

Average Cost to Insure Per Year

$2863

List Price

$64750

Trims Available

Base - Base Engine: 472-horsepower 5.0-liter V8 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.

2018 Lexus RC F

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2381
Acuity$ 2381
Allied$ 1740
Allied$ 1740
Arbella$ 2415
Arbella$ 2415
Country$ 2432
Country$ 2432
Erie$ 1438
Erie$ 1438
Mercury$ 1246
Mercury$ 1246
Nationwide$ 1892
Nationwide$ 1892
Plymouth Rock Insurance$ 1966
Plymouth Rock Insurance$ 1966
Safeco$ 2262
Safeco$ 2262
State Farm$ 2357
State Farm$ 2357
Tennessee Farmers$ 1550
Tennessee Farmers$ 1550
USAA$ 1902
USAA$ 1902

Compare all 2018 Lexus RC F rates

Average Cost to Insure Per Year

$ 2729

List Price

$ 64650

Trims Available

Base

2017 Lexus RC F

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2360
Acuity$ 2360
Allied$ 1768
Allied$ 1768
Arbella$ 2268
Arbella$ 2268
Country$ 2371
Country$ 2371
Erie$ 1388
Erie$ 1388
Mercury$ 1219
Mercury$ 1219
Nationwide$ 1918
Nationwide$ 1918
Plymouth Rock Insurance$ 1898
Plymouth Rock Insurance$ 1898
State Farm$ 2163
State Farm$ 2163
Tennessee Farmers$ 1550
Tennessee Farmers$ 1550
Texas Farm Bureau$ 1564
Texas Farm Bureau$ 1564
USAA$ 1884
USAA$ 1884

Compare all 2017 Lexus RC F rates

Average Cost to Insure Per Year

$ 2199

List Price

$ 64165

Trims Available

Base

2016 Lexus RC F

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1975
Acuity$ 1975
Allied$ 1787
Allied$ 1787
Arbella$ 1988
Arbella$ 1988
Country$ 2099
Country$ 2099
Erie$ 1327
Erie$ 1327
Mercury$ 1204
Mercury$ 1204
Nationwide$ 1917
Nationwide$ 1917
Plymouth Rock Insurance$ 1834
Plymouth Rock Insurance$ 1834
State Farm$ 2095
State Farm$ 2095
Tennessee Farmers$ 1514
Tennessee Farmers$ 1514
Texas Farm Bureau$ 1523
Texas Farm Bureau$ 1523
USAA$ 1843
USAA$ 1843

Compare all 2016 Lexus RC F rates

Average Cost to Insure Per Year

$ 2083

List Price

$ 62805

Trims Available

Base

2015 Lexus RC F

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1781
Acuity$ 1781
Allied$ 1789
Allied$ 1789
Arbella$ 1963
Arbella$ 1963
Country$ 1959
Country$ 1959
Erie$ 1274
Erie$ 1274
Mercury$ 1189
Mercury$ 1189
Nationwide$ 1912
Nationwide$ 1912
Plymouth Rock Insurance$ 1772
Plymouth Rock Insurance$ 1772
Tennessee Farmers$ 1846
Tennessee Farmers$ 1846
Texas Farm Bureau$ 1482
Texas Farm Bureau$ 1482
USAA$ 1888
USAA$ 1888
Vermont Mutual$ 1901
Vermont Mutual$ 1901

Compare all 2015 Lexus RC F rates

Average Cost to Insure Per Year

$ 1991

List Price

$ 62400

Trims Available

Base