Lexus SC 430 Insurance Rates

The average auto insurance rates for a Lexus SC 430 are $1,696 annually for full coverage insurance. Comprehensive costs on average $432, collision insurance costs $812, and liability insurance is estimated at $316. Liability-only insurance costs approximately $376 a year, and high-risk driver insurance costs around $3,670. 16-year-old drivers cost the most to insure at up to $5,956 a year.

Average premium for full coverage: $1,696

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different SC 430 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Information

The chart below illustrates average Lexus SC 430 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $944
• Choosing higher $1,000 deductibles can save around $282 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,696
• Buying more expensive low deductibles for comp and collision coverage will cost $2,244
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,670
• Policy cost with full coverage for a teen driver with full coverage may cost $5,956 each year

Auto insurance rates for a Lexus SC 430 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $5,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $2,000 to $2,700 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $830 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $285 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Lexus SC 430 insurance rates. A good driver about age 40 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.

How to Buy Low Cost Lexus SC 430 Insurance

Finding cheaper rates on Lexus SC 430 insurance takes having a decent driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a review of the car insurance concepts covered above.

• High-risk drivers who have several accidents or serious violations may pay on average $1,970 more each year than a driver with a clean driving record
• It is possible to save as much as $210 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $825 each year
• Drivers who require additional liability coverage will pay around $350 annually to raise limits from a 30/60 limit to higher 250/500 limits