Lexus SC 430 Insurance Rates
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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 with full coverage. Comprehensive insurance costs around $432 each year, collision costs $812, and liability costs $316. Liability-only coverage costs as little as $376 a year, with high-risk coverage costing $3,670 or more. 16-year-old drivers pay the most at $5,956 a year or more.
Average premium for full coverage: $1,696
Premium estimates for type of coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and SC 430 models.
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 minimum levels of liability insurance to a high rate of $3,670 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities.
The graphic below illustrates how location helps determine auto insurance rates.
These rate differences demonstrate why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on rate 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.
Additional Rate Details
The chart below details estimated Lexus SC 430 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $944
- Drivers who choose higher $1,000 deductibles will pay about $282 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,696
- Buying low deductibles for comprehensive and collision insurance will cost an extra $548 annually
- Drivers with multiple tickets or accidents could pay at least $3,670 or more
- An auto insurance policy for full coverage for a 16-year-old driver can be $5,956 a year
Insurance prices for a Lexus SC 430 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $5,900 a year. View Rates by Age
Where you choose to live makes a big difference in Lexus SC 430 insurance prices. A 40-year-old driver could pay as low as $1,220 a year in states like New Hampshire, Ohio, and Utah, or at least $2,290 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could save up to $830 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $285 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $2,000 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers can cost from 45% to 132% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the best way to find out your exact price is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, so the 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 Affordable Lexus SC 430 Insurance
Finding better rates on insurance for a Lexus SC 430 not only requires having a decent driving record, but also maintaining good credit, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates at least every other year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following items are a brief review of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,970 more every year than a driver with a clean driving record
- You may be able to save up to $210 per year simply by quoting online in advance
- Increasing policy deductibles can save around $825 each year
- Insureds who may need additional liability coverage will pay around $350 every year to go from 30/60 bodily injury limits to 250/500 limits
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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