Lexus SC 430 Insurance Rates

U.S. average insurance rates for a Lexus SC 430 are $1,696 a year for full coverage. Comprehensive costs around $432 a year, collision insurance costs $812, and liability is estimated at $316. Buying just liability costs approximately $376 a year, and insurance for high-risk drivers costs around $3,670. 16-year-old drivers pay the highest rates at up to $5,956 a year.

Average premium for full coverage: $1,696

Price estimates for individual coverage:

Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and SC 430 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities. The diagram below illustrates how location helps determine auto insurance rates.

The ranges above show why it is important to get quotes for a specific zip code, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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 $1,414 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,696
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $2,244
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,670
• The price that insures a 16-year-old driver can be $5,956 each year

Insurance prices for a Lexus SC 430 are also quite variable based on the trim level of your SC 430, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $2,000 to $2,700 additional each year, depending on your age. A high-risk auto insurance policy ranges 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 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Lexus SC 430 insurance prices. 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 annually, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $285 more each year. View Rates by Deductible or Liability Limit

How to Find More Affordable Lexus SC 430 Insurance

Getting lower rates on insurance for a Lexus SC 430 takes having a good driving record, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Comparison shop at every other renewal by quoting rates from direct carriers, and also from several local insurance agents.

The next list is a summary of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,970 more every year to buy Lexus SC 430 insurance
• Drivers age 20 and younger are charged the highest prices, with premiums as much as $496 a month if comprehensive and collision insurance is included
• Drivers can save up to $210 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $825 each year
• Drivers can save up to $210 per year just by quoting early and online