Lexus SC 430 Insurance Rates

Average insurance rates for a Lexus SC 430 are $1,696 a year for full coverage. Comprehensive costs around $432, collision insurance costs $812, and liability insurance is estimated at $316. Liability-only coverage costs approximately $376 a year, and high-risk coverage 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 for individual coverage type:

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different SC 430 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on rate averages.

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 choices and driver risks.

• The best full coverage rate is $944
• Choosing higher $1,000 deductibles can save about $282 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,696
• Buying more expensive low deductibles for comp and collision coverage will increase the cost to $2,244
• High-risk insureds with multiple tickets or accidents could pay at least $3,670
• The cost for full coverage for a teen driver with full coverage can be $5,956 each year

Car insurance rates for a Lexus SC 430 can also vary considerably based on your driver profile, the trim level of your SC 430, and deductibles and policy limits.

An older driver with no driving violations and high deductibles could pay as little as $1,600 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $5,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Lexus SC 430 insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Idaho, Maine, and Iowa, or at least $2,420 on average in Michigan, Louisiana, and New York.

Opting for high physical damage deductibles can save as much as $830 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $2,000 to $2,700 extra per 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

How to Find Affordable Lexus SC 430 Insurance

Saving money on Lexus SC 430 insurance takes being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by requesting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

Below is a brief review of the ideas that were covered above.

• Teenage drivers are the costliest to insure, costing as high as $496 per month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,970 more every year for auto insurance
• Increasing deductibles can save around $825 each year
• Drivers can save up to $210 per year just by shopping early and online