Key Takeaways
Lexus RC models are compact executive two-door sports coupés that fall under the luxury segment. In fact, since it's a luxury vehicle, the Lexus RC 350 car insurance cost is also on the higher side compared to other models. The high maintenance cost, expensive spare parts, and the segment it belongs to are all reasons behind the variation in insurance rates. Let's take a look at the Lexus RC 350 auto insurance rates and more.
The average annual insurance cost for the RC 350 is around $2,350. But this can change depending on factors like your location, age, driving experience, driving history, and the vehicle's trim. So even though the average cost is mentioned here, there is a chance the actual rate may vary.
Yes, Lexus RC 350 car insurance rates are higher when compared to the national average for cars in the same segment. The expensive spare parts also play a role in this. So, if you're planning to buy a Lexus RC 350, keep in mind that the insurance cost will be higher.
Insurance companies determine the user's insurance premium by weighing driving and non-driving factors. As a result, it varies depending on the driver, the model, and the make of the car. Also, driving experience, age, and place of registration are the other factors that outline the car insurance rates of the Lexus RC 350.
Erie offers the lowest insurance rate for the 2016 Lexus RC 350, at $960. In contrast, Arbella is the costliest on the list, with a premium starting at $1,655.
| Insurance Company | Annual Insurance Cost |
|---|---|
| Erie | $960 |
| Tennessee Farmers | $1,201 |
| Texas Farm Bureau | $1,208 |
| Mercury | $1,278 |
| USAA | $1,332 |
| Acuity | $1,402 |
| Vermont Mutual | $1,410 |
| Plymouth Rock Insurance | $1,514 |
| Country | $1,575 |
| Nationwide | $1,604 |
| Progressive | $1,648 |
| Arbella | $1,655 |
When comparing the 2015 Lexus RC 350 insurance costs, Erie once again comes in as the cheapest option at just $920 per year. Arbella, on the other hand, has the highest premium at $1,596.
| Insurance Company | Annual Insurance Cost |
|---|---|
| Erie | $920 |
| Texas Farm Bureau | $1,150 |
| USAA | $1,253 |
| Mercury | $1,261 |
| Vermont Mutual | $1,300 |
| Acuity | $1,317 |
| Tennessee Farmers | $1,337 |
| Plymouth Rock Insurance | $1,469 |
| Country | $1,493 |
| State Farm | $1,554 |
| Arbella | $1,596 |
Lexus is well known for its advanced safety features, and they play a key role in determining the Lexus RC 350 auto insurance rates. When a vehicle comes equipped with strong safety technology, insurers are more likely to offer lower premiums. Below are the safety features available in the Lexus RC 350:
Safety ratings play an important role in determining Lexus RC 350 car insurance costs, and this model has earned a solid reputation in that area. Let's take a look at how RC 350 scores when it comes to safety performance.
| Test Category | Rating |
|---|---|
| Small overlap front crashworthiness | Good (G) |
| LATCH child seat anchor ease of use | Good (G) |
| Blind-Spot Detection | Standard |
| Lane Departure Warning & Prevention | Standard |
The Lexus RC 350's crash test ratings can affect how much your car insurance costs. See how the Lexus RC 350 did in a crash test here.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2020 Lexus RC 350 2 DR RWD | N/R | N/R | N/R | N/R |
| 2020 Lexus RC 350 2 DR AWD | N/R | N/R | N/R | N/R |
| 2019 Lexus RC 350 2 DR RWD | N/R | N/R | N/R | N/R |
| 2019 Lexus RC 350 2 DR AWD | N/R | N/R | N/R | N/R |
| 2018 Lexus RC 350 2 DR RWD | N/R | N/R | N/R | N/R |
| 2018 Lexus RC 350 2 DR AWD | N/R | N/R | N/R | N/R |
Drive Safely: As we have already mentioned, driving history is highly important when it comes to insurance quotes. Rash and careless driving could result in high premiums, so always drive safely to save money and life.
Improve the Credit Score: A high credit score could save up to $250 on a Lexus RC 350 auto insurance quote from companies. Always maintain a credit score above 700 to take advantage of this.
Follow driving laws: Strictly follow the driving laws to maintain a low auto insurance rate for your Lexus RC 350.
Ask for relevant discounts: Ask for loyalty discounts, senior citizen discounts, military veteran discounts, and more to reduce your annual premiums as much as possible.
Bundle insurance policies: You can save even more by bundling auto and home insurance policies.
Download the Way app. It's as simple as that, and you can get the cheapest Lexus RC 350 car insurance quotes within seconds. Just answer a few easy questions and explore quotes from over 200 top insurance companies through Way.com. You can also find the best possible discounts by simply asking about savings while comparing the providers.
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
The average annual insurance cost for the RC 350 is around $2,350.
Yes, Lexus RC 350 insurance is a bit expensive, particularly because it's a luxury coupé.
Maintaining and repairing a Lexus RC 350 over its first 10 years is estimated to cost around $6,305.
Lexus is discontinuing the RC lineup, including the RC F, after the 2025 model year. While 2025 will be the final production year, how long a Lexus RC lasts depends on how well it's maintained. With regular care, it can easily go beyond 100,000 miles.
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