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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U.S. average auto insurance rates for a Lexus SC 430 are $1,696 annually for full coverage insurance. Comprehensive insurance costs on average $432, collision insurance costs $812, and liability costs $316. A policy with just liability insurance costs as little as $376 a year, and coverage for high-risk drivers costs $3,670 or more. 16-year-old drivers pay the highest rates at up to $5,956 a year.
Average premium for full coverage: $1,696
Price estimates by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all SC 430 models.
Price Range from Low to High
Using a middle-aged driver as an example, Lexus SC 430 insurance prices range from as cheap as $376 for basic liability insurance to the much higher price of $3,670 for a policy for a high-risk driver.
Geographic Price Range
Your location can make a big difference on insurance rates. Rural areas have fewer physical damage claims than congested cities. The example below illustrates how where you live affects car insurance rates.
The ranges above illustrate why everyone should compare rates based on a specific location and their own personal driving habits, 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.
Rate Comparisons
The chart below illustrates average Lexus SC 430 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $944
- Drivers who choose higher $1,000 deductibles will pay around $282 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,696
- Buying pricier low deductibles for comprehensive and collision insurance costs an additional $548 annually
- Drivers with multiple tickets or accidents could pay upwards of $3,670
- The price with full coverage for a 16-year-old driver for full coverage may cost $5,956 a year
Insurance prices for a Lexus SC 430 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $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 a minimum $2,000 to $2,700 extra each year, depending on your age. Lexus SC 430 insurance for high-risk drivers can cost from 45% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $830 annually, whereas buying more liability protection will cost you more. 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 makes a big difference in Lexus SC 430 insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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 | $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 Buy Cheaper Lexus SC 430 Insurance
Getting lower rates on insurance for a Lexus SC 430 not only requires avoiding accidents and violations, but also having a good credit history, not filing small claims, and determing if full coverage is necessary. Take the time to comparison shop every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a condensed summary of the coverage data touched on in the above illustrations.
- It is possible to save as much as $210 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $825 each year
- Teenagers pay the highest prices, as much as $496 a month including comprehensive and collision insurance
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,970 more each year for car insurance
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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