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 insurance rates for a Lexus SC 430 are $1,696 a year for full coverage. Comprehensive costs an estimated $432, collision costs $812, and liability coverage is $316. Liability-only insurance costs around $376 a year, with high-risk driver insurance costing around $3,670. 16-year-old drivers pay the highest rates at $5,956 a year or more.
Average premium for full coverage: $1,696
Price estimates broken down by individual coverage:
Prices include $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all SC 430 models.
Price Range from Low to High
For the normal driver, Lexus SC 430 insurance prices go from as low as $376 for just liability insurance to the much higher price of $3,670 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than congested cities.
The example below illustrates how geographic area affects insurance prices.
The ranges above show why everyone should compare rates quotes for a targeted area and risk profile, rather than using 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.
More Rate Details
The chart below shows estimated Lexus SC 430 insurance rates for other coverage scenarios.
- The best full coverage rate is $944
- Raising to $1,000 deductibles will save approximately $282 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,696
- Buying pricier low deductibles will increase the cost to $2,244
- Unlucky drivers with multiple tickets or accidents could pay up to $3,670 or more
- The price for full coverage for a teenage driver for full coverage can cost as much as $5,956
Car insurance prices for a Lexus SC 430 are also quite variable based on your driving record, the trim level of your SC 430, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles may only pay around $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $5,900 a year. View Rates by Age
The state you live in also has a big influence on Lexus SC 430 insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Iowa, Maine, and Idaho, or at least $2,420 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $830 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $2,000 to $2,700 extra each year, depending on your age. Lexus SC 430 insurance for high-risk drivers is expensive and can cost around 45% to 132% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
| 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 Right Lexus SC 430 Insurance
Getting lower rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a quick rundown of the data that was presented in the illustrations above.
- Drivers can save approximately $210 per year simply by quoting online well ahead of the renewal date
- Consumers who want higher liability limits will pay around $350 each year to raise from a low limit to 250/500 limits
- Teens have the highest car insurance prices, with premiums as much as $496 a month if full coverage is included
- Drivers with reckless driving or DUI convictions pay an average of $1,970 more annually for SC 430 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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