Key Takeaways
The Lexus RC 300 is a stylish two-door luxury sports coupe known for its blend of comfort and refined performance. But have you ever wondered how much the Lexus RC 300 car insurance costs? Luxury coupes generally cost more to insure than normal cars. It is always better to look for available options in the market before deciding on your insurance provider. One wrong choice could lead to coverage gaps or higher premiums on your Lexus RC 300 car insurance rate.
The average cost to insure the Lexus RC 300 is around $1,140 per year. It is possible to lower your premiums further by choosing the right insurance provider. You can find the best deal for your coverage needs by shopping around and comparing options. You can compare multiple vetted providers in minutes and secure the best rate for your RC 300 by making use of the Way app.
Generally, luxury coupes are expensive to insure due to high market value, expensive parts, and high risk of accidents and theft. However, Lexus RC 300 car insurance costs are cheaper than those of many of its competitors. This can be due to Lexus's high reputation for reliability and advanced safety features.
| Luxury Coupes | Average Annual Premium |
|---|---|
| BMW 4 Series | $1,116 |
| Lexus RC 300 | $1,140 |
| Porsche 718 Cayman | $1,284 |
| Audi A5 Coupe | $2,280 |
| Infiniti Q60 | $2,328 |
Several factors can impact your Lexus RC 300 car insurance cost. Some of the common factors are:
According to our research, Progressive provides the most affordable Lexus RC 300 car insurance rates, with an annual premium of $552. Erie and Tennessee Farmers also offer competitive rates. However, the lowest price doesn't always mean the best value. It's essential to compare coverage options carefully and ensure the policy includes all the features you need.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Progressive | $46 | $552 |
| Erie | $73 | $873 |
| Tennessee Farmers | $92 | $1,110 |
| Texas Farm Bureau | $100 | $1,208 |
| Mercury | $107 | $1,282 |
On average, it costs around $1,598 per year to insure a 2016 Lexus RC 300. However, Erie provides the most affordable rate at just $873 per annum.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $73 | $873 |
| Tennessee Farmers | $92 | $1,110 |
| Texas Farm Bureau | $100 | $1,208 |
| Mercury | $107 | $1,282 |
| USAA | $109 | $1,321 |
| Vermont Mutual | $115 | $1,380 |
| Acuity | $115 | $1,383 |
| Plymouth Rock Insurance | $120 | $1,425 |
| Country | $130 | $1,556 |
| Nationwide | $130 | $1,562 |
| Arbella | $132 | $1,590 |
| State Farm | $137 | $1,641 |
The RC 300 comes with a range of safety features, which can help reduce your Lexus RC 300 car insurance costs.
Some of the installed features include:
The Lexus RC 300 has good safety ratings, which makes it affordable to insure. The overall good ratings indicate a lower risk of injury, damage, and repair costs. Insurance companies often consider the safety ratings while determining the premium rates for a car model. Therefore, safety ratings play a key role in lowering Lexus RC 300 car insurance costs.
| Category | IIHS Ratings |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
Download the Way app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 140 different insurance providers on our platform, which lets you choose the best policy that may help you lower your Lexus RC 300 car insurance cost.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Lexus RC 300 car insurance costs around $1,140 per year, depending on factors like the driver's age, location, driving history, and coverage level.
No, the car insurance cost for a Lexus RC 300 is cheaper compared to many other vehicles in its class. This is mainly due to its high reliability scores and advanced safety features.
Full coverage is recommended if your RC 300 is new, leased, or financed. If your car is older and fully paid off, liability coverage may be enough, depending on your financial situation and coverage needs.
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