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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Estimated insurance rates for a Lexus SC 430 are $1,696 a year for full coverage insurance. Comprehensive insurance costs around $432, collision costs $812, and liability insurance costs $316. A liability-only policy costs as little as $376 a year, with high-risk insurance costing $3,670 or more. Teen drivers pay the most at $5,956 a year or more.
Average premium for full coverage: $1,696
Premium estimates for type of coverage:
Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all SC 430 models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Lexus SC 430 go from the low end price of $376 for basic liability insurance to the much higher price of $3,670 for a high-risk driver policy.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The example below illustrates how your location can change auto insurance rates.
These rate differences illustrate why everyone should compare rates for a specific zip code, rather than relying 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.
Rate Comparisons
The chart below illustrates estimated Lexus SC 430 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $944
- Drivers who choose higher $1,000 deductibles will pay about $282 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,696
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $548 a year
- High risk drivers with multiple violations and an at-fault accident could pay at least $3,670 or more
- An auto insurance policy that insures a teen driver for full coverage can be $5,956 a year
Auto insurance prices for a Lexus SC 430 also have a wide range based on the model of your SC 430, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $2,000 to $2,700 in extra premium annually, depending on your age. Lexus SC 430 insurance for high-risk drivers can cost anywhere from 45% to 132% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have 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 rates. A 40-year-old driver could pay as low as $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or 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% |
Choosing high deductibles could save up to $830 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $285 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, and quoted prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus SC 430 | $208 | $278 | $398 | $1,020 |
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 the Best Lexus SC 430 Insurance
Finding better rates on Lexus SC 430 insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around every time your policy renews by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
Below is a brief recap of the information illustrated above.
- It is possible to save up to $210 per year simply by quoting online well ahead of the renewal date
- Teenage drivers are expensive to insure, with premiums being up to $496 per month if the policy includes full coverage
- Increasing policy deductibles can save approximately $825 each year
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,970 more every year for auto insurance
- Drivers who may need higher levels of liability will pay about $350 annually to go from 30/60 bodily injury limits to the 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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