Lexus SC 430 Insurance Rates

Average insurance rates for a Lexus SC 430 are $1,696 a year with full coverage. Comprehensive insurance costs an estimated $432 a year, collision insurance costs $812, and liability insurance 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 receive the highest rates at up to $5,956 a year.

Average premium for full coverage: $1,696

Rate estimates broken down by individual coverage type:

These estimates include $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and SC 430 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

These examples demonstrate why it is important to compare prices for a targeted area and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below details average Lexus SC 430 insurance rates for other coverage scenarios.

• The best discount rate is $944
• Using higher $1,000 deductibles will save approximately $1,414 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,696
• Using low $100 deductibles for physical damage coverage will cost an extra $548 a year
• Drivers who are prone to accidents and violations could pay up to $3,670
• The cost for full coverage for a teen driver can cost as much as $5,956 or more

Insurance rates for a Lexus SC 430 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,600 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $5,900 a year. View Rates by Age

Where you live has a huge impact on Lexus SC 430 insurance rates. A driver around age 40 might see rates as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,290 on average in New York, Michigan, and Florida.

Using high physical damage deductibles could cut rates by as much as $830 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $285 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $2,000 to $2,700 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Lexus SC 430 Insurance

Saving money on Lexus SC 430 insurance requires not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a brief summary of the coverage data raised in the charts and tables above.

• You may be able to save approximately $210 per year just by quoting early and online
• Increasing deductibles can save around $825 each year
• Teens are expensive to insure, with premiums as much as $496 per month including comprehensive and collision insurance
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,970 more annually for SC 430 insurance