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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Estimated insurance prices for a Lexus SC 430 are $1,696 every 12 months including full coverage. Comprehensive costs around $432, collision insurance costs $812, and liability insurance costs $316. Liability-only coverage costs as little as $376 a year, and high-risk coverage costs around $3,670. Teenage drivers pay the most at up to $5,956 a year.
Average premium for full coverage: $1,696
Premium estimates for type of coverage:
These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different SC 430 trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Lexus SC 430 range from the cheapest price of $376 for just liability insurance to a much higher rate of $3,670 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying on average rates.
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 breaks down average Lexus SC 430 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $944
- Drivers who choose higher $1,000 deductibles will pay about $282 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,696
- Using more expensive low deductibles for comprehensive and collision insurance increases the price to $2,244
- High risk drivers who are prone to accidents and violations could pay at least $3,670
- An auto insurance policy to insure a teen driver with full coverage can be $5,956 a year
Insurance prices for a Lexus SC 430 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles could save up to $830 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $285 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $2,000 to $2,700 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Lexus SC 430 insurance rates. A 40-year-old driver could pay as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,420 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Shop for Cheap Lexus SC 430 Insurance
Finding better rates on Lexus SC 430 insurance not only requires avoiding accidents and claims, but also having good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The points below are a brief summary of the coverage data covered in the above illustrations.
- You may be able to save up to $210 per year just by shopping early and online
- Increasing policy deductibles could save as much as $825 each year
- Drivers under the age of 20 pay higher prices, with the cost nearing $496 per month if they have full coverage
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,970 more every year to insure a Lexus SC 430
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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