Lexus SC 430 Insurance Rates

Average insurance rates for a Lexus SC 430 are $1,696 a year including full coverage. Comprehensive costs approximately $432 each year, collision insurance costs $812, and liability is estimated at $316. A liability-only policy costs approximately $376 a year, and high-risk insurance costs around $3,670. Teen drivers receive the highest rates at up to $5,956 a year.

Average premium for full coverage: $1,696

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and SC 430 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance prices.

These examples highlight why all drivers should get quotes using their specific location, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below breaks down average Lexus SC 430 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $944
• Choosing higher $1,000 deductibles can save $282 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,696
• Choosing low deductibles for comp and collision coverage bumps up the cost to $2,244
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,670
• The cost that insures a 16-year-old driver can cost $5,956 each year

Insurance rates for a Lexus SC 430 can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $2,000 to $2,700 extra per year, depending on your age. Insurance for high-risk drivers ranges from 45% to 132% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,600 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus SC 430 insurance prices. A good driver about age 40 could pay 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.

Choosing high deductibles can save as much as $830 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $285 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Lexus SC 430 Insurance

Saving money on insurance for a Lexus SC 430 takes avoiding accidents and claims, having above-average credit, not filing small claims, and possibly raising deductibles. Shop around every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The points below are a brief recap of the ideas that were touched on in the above illustrations.

• Drivers under the age of 20 are expensive to insure, as much as $496 per month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations will likely pay on average $1,970 more per year to insure a Lexus SC 430
• Increasing deductibles can save approximately $825 each year
• You may be able to save around $210 per year just by quoting online in advance