Lexus SC 430 Insurance Rates
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UPDATED: Apr 5, 2024
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U.S. average auto insurance rates for a Lexus SC 430 are $1,696 annually for full coverage insurance. Comprehensive insurance costs around $432, collision insurance costs $812, and liability costs around $316. A policy with just liability insurance costs as low as $376 a year, and coverage for high-risk drivers costs $3,670 or more. Teenage drivers pay the highest rates at up to $5,956 a year.
Average premium for full coverage: $1,696
Price estimates for individual coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different SC 430 trim levels.
Price Range from Low to High
For an average driver, Lexus SC 430 insurance prices range from as cheap as $376 for your basic liability-only policy to a much higher rate of $3,670 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.
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 Information
The chart below illustrates average Lexus SC 430 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $944
- Using higher $1,000 deductibles will save about $282 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,696
- Using more expensive low deductibles for physical damage coverage costs an additional $548 every year
- Drivers who are prone to accidents and violations could pay at least $3,670
- The price with full coverage for a teen driver with full coverage can be $5,956 or more
Insurance prices for a Lexus SC 430 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,600 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $2,000 to $2,700 extra each year, depending on your age. High-risk driver insurance can be as much as 45% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $830 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $285 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Lexus SC 430 insurance prices. A driver around age 40 might see prices as low as $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,290 on average in Michigan, New York, and Florida.
| 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus SC 430 | $228 | $340 | $402 | $1,106 |
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 Buy Cheap Lexus SC 430 Insurance
Getting lower rates on car insurance requires being a good driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a brief summary of the data that was covered in the above illustrations.
- It is possible to save up to $210 per year just by shopping early and online
- Policyholders who may need an increased level of liability coverage will pay an extra $350 annually to increase from a low limit to higher 250/500 limits
- Drivers age 16 to 20 pay higher prices, as much as $496 a month including comprehensive and collision insurance
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,970 more every year than a safer driver
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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