Lexus SC 430 Insurance Rates

Average insurance rates for a Lexus SC 430 are $1,696 a year for full coverage insurance. Comprehensive costs on average $432 a year, collision insurance costs $812, and liability costs around $316. A policy with just liability insurance costs as low as $376 a year, and coverage for high-risk drivers costs around $3,670. 16-year-old drivers receive the highest rates at up to $5,956 a year.

Average premium for full coverage: $1,696

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and SC 430 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how where you live affects car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $944
• Using higher $1,000 deductibles will save around $1,414 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,696
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $2,244
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,670
• The cost that insures a 16-year-old driver may cost $5,956 or more

Insurance rates for a Lexus SC 430 can also vary considerably based on the trim level of your SC 430, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $2,000 to $2,700 additional per year, depending on your age. A high-risk auto insurance policy can be from 45% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,600 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,900 a year. View Rates by Age

Where you live has a huge impact on Lexus SC 430 insurance prices. A driver around age 40 might see rates 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.

Opting for high physical damage deductibles could cut rates by as much as $830 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $285 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Lexus SC 430 Insurance

Saving money on insurance for a Lexus SC 430 requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick review of the material that was touched on in the above illustrations.

• Insureds who require increased liability limits will pay around $350 annually to increase from a minimum limit to the 250/500 level
• Drivers under the age of 20 pay higher rates, costing up to $496 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,970 more each year to insure a Lexus SC 430
• Increasing deductibles can save approximately $825 each year