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Lexus LC car insurance rates

What to expect when insuring your Lexus LC

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Lexus LC car insurance

According to our research, the average cost to insure a Lexus LC is around $204 a month, or $2,448 a year. Your actual cost could be more or less, depending on your driving record, the number of miles you drive in a year, your age and gender and other factors.

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Compare insurance for your Lexus LC

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Branch
Optional
No
AZ, MO, IL, OH and TX
Get an online quote with just your name and address and find out if you could save by bundling home and auto insurance.
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Lexus LC car insurance rates

ModelMonthly insurance rateBase car price
CT$171.00$31,250
ES$167.00$38,900
GS$220.00$46,310
GS F$220.00$83,940
GX$161.00$51,680
IS$162.00$37,825
LS$155.00$72,520
LX$161.00$89,880
NX$167.00$35,285
RC$220.00$40,155
RC F$156.00$64,165
RX$154.00$43,120

How to compare insurance for the Lexus LC

When comparing your insurance options for your Lexus LC, consider these factors:

  • Price. The Lexus LC is a luxury sports car, so you can expect to pay more than the national average to insure it. However, be wary of skimping on insurance coverage. You might end up footing a hefty bill if you need to make repairs and have limited coverage.
  • Deductible. While a higher deductible could lower your monthly premium, repairing your Lexus could mean high out-of-pocket costs for you down the road.
  • Coverage. Luxury car owners often choose to add more coverage options on top of the state minimum requirements because repairs can be costly. You may want to add collision coverage to offset the expensive repairs that come with the Lexus LC, as well as comprehensive coverage if you live in an area prone to flooding, hurricanes or theft.
  • Manufacturer offers or other discounts. The Lexus LC comes equipped with lots of safety features, which could help you save on your monthly insurance premium.

What factors affect car insurance for the Lexus LC?

Luxury sports cars like the Lexus LC can be more expensive to insure than some other makes and models, both because repairs can be pricey and because sports car drivers are considered a higher risk for speeding.

However, the luxury car also comes standard with safety features including a backup camera, anti-lock braking system, 10-airbag system and more that can help you score a discount on your premium.

In general, the fancier package you get with your Lexus LC, the higher the value of your car — and the more expensive it is for insurance companies to provide coverage.

Driver factors and insurance costs

Beyond the make and model of your vehicle, other factors like your age, gender, location, credit score and accident history can affect your car insurance rates. Additionally, drivers who own designer sports cars like the Lexus LC will often be considered a higher risk for speeding, which may increase your rates.

Does the Lexus LC qualify for discounts?

Aside from unlocking a new car discount, the Lexus LC comes equipped with lots of safety features that could help you save on your monthly premium, including:

  • Anti-lock brakes
  • Stability control
  • Emergency braking assist
  • Blind spot and lane departure warnings
  • Comprehensive airbag system
  • Seat belts with automatic pretensioners that engage in a collision
  • Ignition disable device when manufacturer’s key is not detected

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Reliability and safety ratings for the Lexus LC

JD Power gives the Lexus LC a 4 out of 5 rating for reliability, which isn’t surprising, considering that most Lexus models rank above average for this rating.

Because the Lexus LC was just released, official safety testing results aren’t available just yet. This sports car does come standard with a variety of safety features, including stability control, anti-lock brakes and automatic seat belts.

There is one recall on 2018 Lexus LCs to be aware of. For 2018 Lexus LC models with a 5.0L V8 engine and two high-pressure fuel pumps, damage to the pulsation damper in one of these fuel pumps may occur. This damage could result in fuel leakage, which may cause a fire.

The Lexus LC series maintenance

Like many luxury sports cars, the Lexus LC gets better fuel mileage than most SUVs, trucks and vans, especially when traveling on the highway. The average fuel economy for this model is 26 mpg in the city and 35 mpg on the highway.

However, luxury cars like the Lexus LC can be on the expensive side to maintain:

  • An oil change for your Lexus LC could cost you around $110.
  • The average cost of brake pad replacement for a Lexus LC is around $180 per axle.

Did you know

Lexus is Toyota’s line of luxury vehicles, which is one of the reasons why Lexus vehicles continue to rank high in reliability. In fact, Consumer Reports ranks Lexus as the fourth most reliable car brand currently available.

Bottom line

A Lexus LC will probably cost more than the national average to insure because it’s an expensive vehicle to purchase and repair. As a luxury sports car, it’s also considered a higher risk for speeding and accidents, which could raise your premiums. But the variety of safety features that come standard with this Lexus model may help you unlock some discounts.

Compare car insurance rates from different companies to help you find the best value for your coverage.

Compare Lexus LC competitors

Looking for other car brands? Compare car models like the Lexus LC.

Frequently asked questions about the Lexus LC

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