Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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 300? 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 300 car insurance facts

  • Average full coverage auto insurance premium: $140/month

  • Most affordable companies: GEICO ($94/month) & Progressive ($101/month)

  • RC 300 car insurance cost vs. average rates: $55 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Lexus RC 300 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 300 insurer costs by state:

Risk factors affecting Lexus RC 300 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 300 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 300 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 300 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 300

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2350
Acuity$2462
Allied$2381
Allstate$1896
American Family$1670
Country Financial$2035
Erie$1415
GEICO$1140
Kentucky Farm Bureau$2147
Liberty Mutual$1461
Mercury$1769
Nationwide$1510
Progressive$1260
State Farm$1330
Tennessee Farmers$1724
Texas Farm Bureau$1530
The Hanover$2267
Travelers$1953

Compare all 2021 Lexus RC 300 rates

Average Cost to Insure Per Year

$1809

List Price

$42220

Trims Available

Base - Base Engine: 241-horsepower turbocharged four-cylinder engine 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 300

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2318
Allstate$1859
American Family$1643
Country Financial$2016
Erie$1394
GEICO$1136
Kentucky Farm Bureau$2140
Liberty Mutual$1450
Mercury$1745
Nationwide$1495
Progressive$1256
State Farm$1320
Tennessee Farmers$1709
Texas Farm Bureau$1526
The Hanover$2243
Travelers$1909

Compare all 2020 Lexus RC 300 rates

Average Cost to Insure Per Year

$1786

List Price

$43985

Trims Available

Base - Base Engine: 241-horsepower turbocharged four-cylinder engine 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 300

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2134
Allstate$1754
American Family$1549
Country Financial$1904
Erie$1340
GEICO$1120
Kentucky Farm Bureau$1944
Liberty Mutual$1389
Mercury$1706
Nationwide$1427
Progressive$1205
State Farm$1290
Tennessee Farmers$1690
Texas Farm Bureau$1516
The Hanover$2016
Travelers$1890

Compare all 2019 Lexus RC 300 rates

Average Cost to Insure Per Year

$1724

List Price

$41145

Trims Available

Base - Base Engine: 241-horsepower turbocharged four-cylinder engine 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 300

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1990
Allstate$1706
American Family$1524
Country Financial$1812
Erie$1295
GEICO$1081
Kentucky Farm Bureau$1826
Liberty Mutual$1342
Mercury$1680
Nationwide$1380
Progressive$1145
State Farm$1168
Tennessee Farmers$1611
Texas Farm Bureau$1465
The Hanover$1835
Travelers$1716

Compare all 2018 Lexus RC 300 rates

Average Cost to Insure Per Year

$1730

List Price

$40640

Trims Available

Base - Base Engine: 241-horsepower turbocharged four-cylinder engine 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 300

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 300 rates

Average Cost to Insure Per Year

$1705

List Price

$42770

Trims Available

Base - Base Engine: 241-horsepower turbocharged four-cylinder engine 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 300

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1455
Acuity$ 1455
Allied$ 1502
Allied$ 1502
Arbella$ 1662
Arbella$ 1662
Country$ 1628
Country$ 1628
Erie$ 945
Erie$ 945
Mercury$ 1354
Mercury$ 1354
Nationwide$ 1634
Nationwide$ 1634
Plymouth Rock Insurance$ 1497
Plymouth Rock Insurance$ 1497
Tennessee Farmers$ 1182
Tennessee Farmers$ 1182
Texas Farm Bureau$ 1280
Texas Farm Bureau$ 1280
USAA$ 1393
USAA$ 1393
Vermont Mutual$ 1452
Vermont Mutual$ 1452

Compare all 2016 Lexus RC 300 rates

Average Cost to Insure Per Year

$ 1670

List Price

$ 42610

Trims Available

Base