Lexus RC F car insurance: cost and quotes

How much does it cost to insure a Lexus RC F?

The average cost of car insurance for a Lexus RC F is $4,584 per year ($382 per month) for full coverage and $763 per year ($64 per month) for minimum coverage. This is higher than the average cost of coverage nationwide, according to Quadrant Information Services, an insurance data analytics firm.

Lexus RC F insurance costs vary greatly depending on multiple factors that are unique to the driver and their vehicle. The average cost of car insurance in the U.S. is $2,671 a year for full coverage and $806 for minimum coverage. Lexus average prices may be higher than this for several reasons. Insurers look at repair rates, the cost of parts, available safety features, theft rates and more when determining what to charge. Although Lexus cars generally earn high scores for safety, repair costs for these luxury vehicles may be expensive, potentially increasing Lexus RC F insurance costs.

Cheapest car insurance companies for a Lexus RC F

Although it is considered a luxury vehicle, no one wants to pay more for car insurance than they need to. Finding affordable Lexus RC F insurance is a matter of shopping strategically. To find cheap car insurance, the first step is to ask for quotes from a range of carriers. Make sure you're asking for the same types and levels of coverage each time, so you can do an apples-to-apples comparison of the results.

You may also want to consider other factors, such as customer service rankings, as determined by J.D. Power's annual studies, or financial strength, as assessed by companies like AM Best or Standard & Poor's.

How much does it cost to insure a Lexus RC F?

Bankrate compiled average rates for the Lexus RC F from Quadrant Information Services to give you a benchmark figure to start your search. The companies below boast relatively low average rates without sacrificing coverage options, discount opportunities or other features that you may be looking for in an insurer. Your own rate, however, is likely to differ, since car insurance premiums are based on your individual risk profile.

2023 Lexus RC F car insurance premium by carrier

Other car insurance coverage for a Lexus RC F

When looking for the best car insurance for your needs, it can be helpful to consider your priorities, since the policy that works best for your neighbor may not be one that's suited to your own situation. For some people, affordable coverage is their top priority. Others may be looking for a company with convenient digital tools for managing their insurance business online. Some companies offer excellent discounts for young drivers, while others may better meet the needs of senior drivers. Other things to consider include your driving history, your age and your location, all of which impact rates.

You may also want to think about your levels of coverage. Generally, minimum coverage will be your cheapest option but might not provide enough insurance to pay all costs if you were in a serious accident. Full coverage, which includes optional collision and comprehensive insurance, costs more but also provides you with more robust financial protection. Other optional coverage choices, called endorsements or add-ons, may help you build out a policy that suits your needs. Here are some insurance options to consider:

• Gap insurance: If your Lexus is totaled in an accident or stolen and not recovered, a gap insurance rider can help pay the difference between what you receive as a payout from your insurer and the amount you actually owe on your car loan. This gap may exist if your vehicle depreciates in value faster than you pay off the loan.
• Original equipment manufacturer (OEM) parts replacement: Some insurers offer an endorsement that allows repairs to be made with OEM parts rather than generic ones, which can be particularly appealing for high-end vehicles.
• Roadside assistance: If your Lexus RC F ever breaks down on the road, you'll appreciate having roadside assistance on your policy. Generally, it covers towing, key services, tire changes, jumpstarts and more.
• New car replacement: If your fairly new Lexus is stolen or totaled, a new car replacement endorsement will help replace the vehicle with a brand-new one of the same make and model. Usually, this is available only for cars that are two years old or less, with low mileage.

How to get a Lexus RC F car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

• Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
• Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
• Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
• Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
• Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Frequently asked questions

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics: