Lexus SC 430 Insurance Rates

U.S. average auto insurance rates for a Lexus SC 430 are $1,696 annually for full coverage. Comprehensive insurance costs approximately $432, collision insurance costs $812, and liability is $316. A policy with just liability insurance costs around $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 by individual coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different SC 430 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have fewer accident claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Details

The chart below shows average Lexus SC 430 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $944
• Raising to $1,000 deductibles will save $282 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,696
• Using more expensive low deductibles costs an additional $548 annually
• Drivers who are prone to accidents and violations could pay around $3,670
• The price with full coverage for a 16-year-old driver with full coverage can cost $5,956

Insurance prices for a Lexus SC 430 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $2,000 to $2,700 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $830 annually, while increasing your policy's liability limits will push prices upward. Going 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 also has a big influence on Lexus SC 430 insurance prices. A middle-age driver might find prices as low as $1,120 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,420 on average in New York, Louisiana, and Michigan.

How to Buy the Right Lexus SC 430 Insurance

Getting lower rates on insurance for a Lexus SC 430 consists of being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a quick rundown of the ideas that were touched on above.

• Youthful drivers are expensive to insure, with premiums as much as $496 a month including comprehensive and collision insurance
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,970 more per year than a low-risk driver
• Increasing physical damage deductibles could save up to $825 each year
• Drivers can save around $210 per year just by shopping early and online