Lexus SC 430 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 5, 2024
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Estimated insurance rates for a Lexus SC 430 are $1,696 a year including full coverage. Comprehensive insurance costs an estimated $432, collision costs $812, and liability insurance costs around $316. Liability-only insurance costs as low as $376 a year, with high-risk driver insurance costing $3,670 or more. Teen drivers pay the most at $5,956 a year or more.
Average premium for full coverage: $1,696
Premium estimates broken down by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different SC 430 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lexus SC 430 go from as low as $376 for just liability insurance to a much higher rate of $3,670 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how location helps determine insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Lexus SC 430 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $944
- Using higher $1,000 deductibles will save approximately $282 every year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,696
- Choosing more expensive low deductibles for physical damage coverage will cost an extra $548 a year
- Drivers with multiple violations and an at-fault accident could pay up to $3,670 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $5,956 or more
Insurance prices for a Lexus SC 430 also have a wide range based on your driving characteristics, the model of your SC 430, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $5,900 a year. View Rates by Age
Where you choose to live has a huge impact on Lexus SC 430 insurance rates. A driver around age 40 might see prices as low as $1,300 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,420 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,532 | -$164 | -9.7% |
| Alaska | $1,298 | -$398 | -23.5% |
| Arizona | $1,406 | -$290 | -17.1% |
| Arkansas | $1,696 | -$0 | 0.0% |
| California | $1,932 | $236 | 13.9% |
| Colorado | $1,618 | -$78 | -4.6% |
| Connecticut | $1,740 | $44 | 2.6% |
| Delaware | $1,916 | $220 | 13.0% |
| Florida | $2,116 | $420 | 24.8% |
| Georgia | $1,566 | -$130 | -7.7% |
| Hawaii | $1,220 | -$476 | -28.1% |
| Idaho | $1,148 | -$548 | -32.3% |
| Illinois | $1,264 | -$432 | -25.5% |
| Indiana | $1,278 | -$418 | -24.6% |
| Iowa | $1,144 | -$552 | -32.5% |
| Kansas | $1,610 | -$86 | -5.1% |
| Kentucky | $2,312 | $616 | 36.3% |
| Louisiana | $2,508 | $812 | 47.9% |
| Maine | $1,046 | -$650 | -38.3% |
| Maryland | $1,400 | -$296 | -17.5% |
| Massachusetts | $1,352 | -$344 | -20.3% |
| Michigan | $2,942 | $1,246 | 73.5% |
| Minnesota | $1,418 | -$278 | -16.4% |
| Mississippi | $2,030 | $334 | 19.7% |
| Missouri | $1,502 | -$194 | -11.4% |
| Montana | $1,820 | $124 | 7.3% |
| Nebraska | $1,336 | -$360 | -21.2% |
| Nevada | $2,032 | $336 | 19.8% |
| New Hampshire | $1,222 | -$474 | -27.9% |
| New Jersey | $1,896 | $200 | 11.8% |
| New Mexico | $1,500 | -$196 | -11.6% |
| New York | $1,784 | $88 | 5.2% |
| North Carolina | $976 | -$720 | -42.5% |
| North Dakota | $1,388 | -$308 | -18.2% |
| Ohio | $1,168 | -$528 | -31.1% |
| Oklahoma | $1,738 | $42 | 2.5% |
| Oregon | $1,554 | -$142 | -8.4% |
| Pennsylvania | $1,616 | -$80 | -4.7% |
| Rhode Island | $2,258 | $562 | 33.1% |
| South Carolina | $1,536 | -$160 | -9.4% |
| South Dakota | $1,432 | -$264 | -15.6% |
| Tennessee | $1,482 | -$214 | -12.6% |
| Texas | $2,044 | $348 | 20.5% |
| Utah | $1,254 | -$442 | -26.1% |
| Vermont | $1,156 | -$540 | -31.8% |
| Virginia | $1,014 | -$682 | -40.2% |
| Washington | $1,306 | -$390 | -23.0% |
| West Virginia | $1,554 | -$142 | -8.4% |
| Wisconsin | $1,172 | -$524 | -30.9% |
| Wyoming | $1,510 | -$186 | -11.0% |
Choosing high deductibles could cut prices by as much as $830 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $285 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying $2,000 to $2,700 additional annually, depending on your age. High-risk driver insurance can be anywhere from 45% to 132% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus SC 430 | $214 | $308 | $402 | $1,060 |
Rates are averaged for all Lexus SC 430 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Lexus SC 430 Insurance
Finding better rates on Lexus SC 430 insurance requires avoiding accidents and violations, having a good credit history, refrain from filing small claims, and maximizing policy discounts. Invest time comparing rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief recap of the primary concepts that were covered in the charts and tables above.
- You may be able to save approximately $210 per year simply by shopping early and online
- High-risk drivers who tend to receive serious violations may pay on average $1,970 more annually for car insurance
- Increasing policy deductibles can save around $825 each year
- Teenagers are expensive to insure, with the cost nearing $496 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,956 |
| 20 | $3,908 |
| 30 | $1,796 |
| 40 | $1,696 |
| 50 | $1,542 |
| 60 | $1,514 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,244 |
| $250 | $1,990 |
| $500 | $1,696 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,696 |
| 50/100 | $1,759 |
| 100/300 | $1,838 |
| 250/500 | $2,044 |
| 100 CSL | $1,791 |
| 300 CSL | $1,965 |
| 500 CSL | $2,091 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,584 |
| 20 | $6,214 |
| 30 | $3,784 |
| 40 | $3,670 |
| 50 | $3,494 |
| 60 | $3,464 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $94 |
| Multi-vehicle | $86 |
| Homeowner | $22 |
| 5-yr Accident Free | $137 |
| 5-yr Claim Free | $112 |
| Paid in Full/EFT | $87 |
| Advance Quote | $89 |
| Online Quote | $125 |
| Total Discounts | $752 |
Discounts are estimated and may not be available from every company or in every state.
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