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...
Licensed Insurance Agent
UPDATED: Apr 5, 2024
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The average insurance prices for a Lexus SC 430 are $1,696 every 12 months with full coverage. Comprehensive insurance costs approximately $432, collision costs $812, and liability 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 cost the most to insure at $5,956 a year or more.
Average premium for full coverage: $1,696
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all SC 430 models.
Price Range Variability
Using a 40-year-old driver as an example, Lexus SC 430 insurance rates go from the cheapest price of $376 for minimum levels of liability insurance to the much higher price of $3,670 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance prices.
The examples above demonstrate why everyone should compare prices using their specific location and their own driving history, instead of making a decision based 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.
Additional Rate Details
The chart below details estimated Lexus SC 430 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $944
- Using higher $1,000 deductibles will save $282 annually
- The average price for a good driver age 40 who chooses $500 deductibles is $1,696
- Choosing pricier low deductibles for physical damage coverage costs an extra $548 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,670 or more
- Policy cost to insure a 16-year-old driver for full coverage can cost $5,956 or more
Auto insurance rates for a Lexus SC 430 also range considerably based on liability limits and deductibles, your driving record, and the model of your SC 430.
Choosing high deductibles could cut rates by as much as $830 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $5,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $2,000 to $2,700 in extra premium every year, depending on your age. Lexus SC 430 insurance for high-risk drivers can be from 45% to 132% more than average. View High Risk Driver Rates
Your home state has a huge impact on Lexus SC 430 insurance prices. A driver around age 40 might see rates as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,290 on average in New York, Michigan, 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% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, and quoted rates will be varied.
| 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 Shop for the Best Cheap Lexus SC 430 Insurance
Finding cheaper rates on insurance for a Lexus SC 430 requires avoiding accidents and claims, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around at least every other year by getting rate quotes from direct companies, and also from insurance agencies where you live.
The points below are a quick review of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,970 more per year to insure a Lexus SC 430
- You may be able to save around $210 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $825 each year
- Insureds who purchase increased liability limits will pay about $350 every year to increase from a 30/60 limit to a 250/500 level
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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