Lexus SC 430 Insurance Rates

U.S. average insurance rates for a Lexus SC 430 are $1,696 a year with full coverage. Comprehensive insurance costs on average $432 each year, collision insurance costs $812, and liability coverage 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. Teens 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 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and SC 430 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.

The ranges above demonstrate why all drivers should compare rates based on a specific location, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $944
• Drivers who choose higher $1,000 deductibles will pay around $282 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,696
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $548 each year
• High-risk insureds with serious driving violations could pay upwards of $3,670
• The price that insures a teenage driver 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 age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $2,000 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers can cost around 45% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,900 a year. View Rates by Age

The state you live in makes a big difference in Lexus SC 430 insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,290 on average in Florida, Michigan, and New York.

Choosing higher comprehensive and collision insurance deductibles could save up to $830 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $285 more per year. View Rates by Deductible or Liability Limit

How to Find the Right Lexus SC 430 Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Compare rates every year by getting rate quotes from direct companies, and also from several local insurance agents.

The next list is a quick rundown of the coverage data covered in the charts and tables above.

• You may be able to save as much as $210 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $825 each year
• Drivers age 20 and younger pay the highest prices, costing up to $496 a month if full coverage is included
• Drivers with reckless driving or DUI convictions pay on average $1,970 more each year to buy Lexus SC 430 insurance