Lexus LC Car Insurance Cost 2025
On average, car insurance for a Lexus LC costs around $1,512 per year. However, the actual cost can differ depending on various factors, such as your age, the model year of your Lexus LC, and other personal details. To get a more accurate estimate for your specific situation, it’s a good idea to use the quote tables and compare rates from different insurance providers.
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If you’re considering buying a Lexus LC, one important factor to think about is the cost of insurance. On average, insurance for a Lexus LC costs $1,512 per year. Insurance is a significant part of car ownership, so it’s essential to understand the financial commitment before making a decision.
Choosing the right car insurance is crucial to avoid unexpected and potentially high costs later on. Having enough coverage is important to prevent large out-of-pocket expenses in case of an accident. Additionally, being at fault in an accident can lead to higher premiums.
With over ten years of experience analyzing car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving history, and location significantly impact your insurance premiums.
How Much Does Lexus LC Car Insurance Cost?
Typically, Lexus LC drivers can expect to pay an average of $1,512 per year for car insurance. However, this amount can vary based on factors like the driver’s age, location, driving history, and coverage options selected. It’s always best to compare quotes from different providers to find the most affordable rate for your specific needs.
It’s essential to understand that the cost of car insurance can be affected by various factors such as your driving history, location, the year of your vehicle, and the type of coverage you select. A clean driving record can lead to lower premiums, while a history of traffic violations or accidents can cause rates to increase. Additionally, living in an urban area with more traffic may result in higher rates compared to rural areas.
The type of coverage you choose also impacts your insurance premium. Comprehensive and collision coverage generally costs more than basic liability coverage. While insurance for a Lexus LC is higher than the average for other Lexus models, it may still be more expensive than the average cost for all cars.
To find the most affordable rates for your specific situation, it’s helpful to shop around and compare quotes from multiple insurance providers.
| Vehicle | Average Monthly Premium |
| Lexus LC | $263 |
| All Lexus | $174 |
| All Cars | $175 |
Average Insurance Cost Of Lexus LC By Model Year
| Model Year | Average Premium |
| 2024 Lexus LC | $1,512 |
| 2022 Lexus LC | $2,854 |
| 2021 Lexus LC | $11,165 |
| 2020 Lexus LC | $3,423 |
| 2019 Lexus LC | $1,587 |
| 2018 Lexus LC | $2,776 |
2024 Lexus LC Insurance Rates
The average annual insurance cost for a 2024 Lexus LC is $1,512. However, Unitrin offers the cheapest rates, averaging $1,512 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,512 |
2022 Lexus LC Insurance Rates
The average annual insurance cost for a 2022 Lexus LC is $2,854. However, Virginia Farm Bureau offers the cheapest rates, averaging $895 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $895 |
| Dairyland Auto | $1,845 |
| Nationwide | $2,429 |
| California Capital | $2,690 |
| Mercury Insurance Company | $2,994 |
| Mercury | $3,386 |
| Mercury Insurance | $3,374 |
| USAA | $3,473 |
| Farmers | $3,656 |
| Allied | $3,794 |
2021 Lexus LC Insurance Rates
The average annual insurance cost for a 2021 Lexus LC is $11,165. However, New Jersey Manufacturers offers the cheapest rates, averaging $4,743 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $4,743 |
| Penn National | $5,224 |
| State Farm | $6,073 |
| Mercury | $7,706 |
| Esurance | $8,663 |
| Allstate | $8,994 |
| Encompass | $12,877 |
| Metropolitan | $22,633 |
| Hanover | $23,570 |
2020 Lexus LC Insurance Rates
The average annual insurance cost for a 2020 Lexus LC is $3,423. However, California Capital offers the cheapest rates, averaging $2,212 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $2,212 |
| Mercury | $2,833 |
| USAA | $2,981 |
| Farmers | $3,251 |
| Hartford | $3,365 |
| Allstate | $3,461 |
| Unitrin | $3,803 |
| State Farm | $3,880 |
| Auto Club | $4,147 |
| Nationwide | $4,294 |
2019 Lexus LC Insurance Rates
The average annual insurance cost for a 2019 Lexus LC is $1,587. However, Nationwide offers the cheapest rates, averaging $784 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $784 |
| Hastings Mutual Insurance Co | $1,137 |
| Indiana Farmers Mutual Ins | $1,504 |
| Pekin Insurance | $1,522 |
| Mercury | $1,614 |
| Grange Mutual | $1,681 |
| State Farm | $1,765 |
| Safeco | $1,829 |
| Auto-Owners Insurance Co | $1,827 |
| Buckeye Insurance Group | $2,208 |
2018 Lexus LC Insurance Rates
The average annual insurance cost for a 2018 Lexus LC is $2,776. However, Texas Farm Bureau Group offers the cheapest rates, averaging $891 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $891 |
| California Capital | $2,398 |
| Esurance | $2,401 |
| Republic Indemnity | $2,706 |
| Encompass | $3,013 |
| USAA | $3,053 |
| Mercury | $3,064 |
| Chubb | $3,285 |
| State Farm | $3,451 |
| Farmers | $3,495 |
Find Affordable Lexus LC Insurance Rates
Is A Lexus LC Expensive To Insure?
The cost to insure a Lexus LC is indeed higher than the average for all cars, but it’s important to keep in mind that the amount you’ll pay depends on several factors. Your age, the age of your car, your location, and your driving history all play a role in determining your premium. For example, younger drivers or those living in urban areas with heavy traffic may experience higher rates. Conversely, having a clean driving record and living in a lower-risk area could help reduce your premiums.
Cheapest Car Insurance Companies For A Lexus LC
For those seeking the most affordable car insurance policy for a Lexus LC, Dairyland offers a premium rate of $40 per month, making them one of the cheapest providers. However, since insurance rates are influenced by factors such as your driving history, age, and location, it’s important to keep in mind that this rate is just an average. To ensure you get the best deal for your unique situation, it’s recommended to shop around and compare quotes from multiple providers.
| Company | Average Monthly Rate |
| Amica | $44 |
| Workmens | $67 |
| Mercury | $51 |
| PlymouthRockNJ | $76 |
| Dairyland | $40 |
Common Lexus LC Insurance Discounts
Discounts are an excellent way to reduce your car insurance costs. Here are a few common ones that might be available to you:
- Multi-policy: Bundling your home and auto insurance with one provider often qualifies you for a discount.
- Pay annually: If you pay your premium in full for the year, instead of monthly payments, you may receive a discount.
- Defensive driving: Taking a certified defensive driving course can make you eligible for reduced rates.
There may be other discounts available as well. It’s a good idea to reach out to your insurance agent, who can help identify which ones you qualify for.
Ways To Save On Lexus LC Insurance Costs
Maintaining a clean driving record is crucial for keeping your Lexus LC insurance costs low. Drivers with a speeding ticket can expect to pay around $50 per month for insurance, while those with multiple accidents may see an average rate of $48 per month. Additionally, driving fewer miles each year can also help lower premiums. Lexus LC drivers who drive between 5,001-7,500 miles annually typically pay about $49 per month. In contrast, those who drive over 10,000 miles per year may pay as much as $88 per month due to the increased risk associated with higher mileage. By keeping a clean record and limiting your mileage, you can reduce your insurance costs.
Compare Lexus LC To Other Lexus Models
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance, with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that these figures may vary based on individual circumstances, such as your age, location, driving history, and the type of coverage you select.
FAQs
Do You Need Insurance Before You Can Purchase A Lexus LC?
Yes, you will need to provide proof of insurance before you can drive your Lexus LC off the dealership lot. The most efficient way to handle this is by purchasing a policy beforehand and informing your insurance company that you’re about to buy the car. This ensures you are properly covered as soon as you take ownership, and it may also be quicker than getting insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Lexus LC?
The best way to find the cheapest rates for your Lexus LC is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers, right here on our website, helping you find the most competitive rates tailored to your needs.
