Lexus LC Car Insurance Cost 2025
On average, car insurance for a Lexus LC costs around $3,500 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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Insuring a Lexus LC doesn’t come cheap. As a high-end luxury coupe with powerful performance and advanced tech, it carries an average annual insurance premium of around $3,500 to $4,500.
This price reflects the elevated cost of repairs, specialized parts, and the car’s higher risk profile due to its speed and value. Compared to standard vehicles, the Lexus LC sits well above average when it comes to insurance costs.
However, prices can vary significantly depending on your age, location, driving history, and coverage choices—so it’s always smart to compare quotes and explore discounts to find the best possible rate.
How Much Does Lexus LC Car Insurance Cost?
Typically, Lexus LC drivers can expect to pay an average of $3,500 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 |
| 2025 Lexus LC | $2,956 |
| 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 |
2025 Lexus LC Insurance Rates
The average annual insurance cost for a 2025 Lexus LC is $2,956. However, USAA offers the cheapest rates, averaging $2,520 per year.
| Insurance Provider | Average Annual Cost |
| Allstate | $4,270 |
| Progressive | $8,900 |
| Geico | $3,350 |
| USAA | $2,520 |
| State Farm | $2,480 |
| Liberty Mutual | $3,160 |
| Farmers | $3,070 |
| Nationwide | $2,950 |
| Travelers | $3,020 |
| American Family | $3,100 |
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
Are Lexus LC Expensive To Insure?
Yes, the Lexus LC is generally expensive to insure. This luxury sports coupe comes with a high market value, powerful engine options, and advanced technology, all of which contribute to higher repair and replacement costs. Insurance providers also consider the vehicle’s performance capabilities, which may increase the risk of accidents or speeding claims. As a result, premiums for the Lexus LC tend to be significantly higher than those for average sedans or compact cars. While rates vary based on driver profile and location, you can expect to pay more to insure a Lexus LC than most other vehicles on the road.
Cheapest Car Insurance Companies For A Lexus LC
The table above highlights the five cheapest car insurance companies for a 2025 Lexus LC, showing both annual and monthly premium estimates. These figures are based on a typical profile of a 40-year-old driver with a clean driving record and full coverage. Among the most affordable options, Virginia Farm Bureau stands out with an estimated annual premium of $940, which breaks down to just $78 per month. Other budget-friendly providers include Unitrin and Dairyland Auto, offering rates under $2,000 annually. Despite being a luxury sports coupe with high repair costs and performance features that usually drive premiums up, these insurers offer comparatively lower rates.
| Insurance Company | Average Monthly |
| Unitrin | $133 |
| Virginia Farm Bureau | $78 |
| Nationwide | $211 |
| Dairyland Auto | $161 |
| California Capital | $193 |
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.
