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 prices for a Lexus SC 430 are $1,696 every 12 months including full coverage. Comprehensive insurance costs around $432 each year, collision costs $812, and liability costs $316. Buying just liability costs as little as $376 a year, with insurance for high-risk drivers costing $3,670 or more. Teen drivers pay the highest rates at $5,956 a year or more.
Average premium for full coverage: $1,696
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and SC 430 models.
Price Range from Low to High
Using a middle-aged driver as an example, Lexus SC 430 insurance prices go from the cheapest price of $376 for minimum levels of liability insurance to a high rate of $3,670 for a high-risk driver policy.
Geographic Price Range
Your location can have significant affects on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than larger metro areas.
The graphic below illustrates how where you live affects auto insurance rates.
The ranges above highlight why all drivers should compare rates for a specific zip code and their own driving history, instead of using price 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.
Additional Rate Details
The chart below breaks down estimated Lexus SC 430 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $944
- Drivers who choose higher $1,000 deductibles will pay about $282 every year
- The average price for the average middle-age driver using $500 deductibles is $1,696
- Choosing low deductibles for comprehensive and collision insurance costs an extra $548 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,670 or more
- The price to insure a teen driver can be $5,956 a year
Insurance prices for a Lexus SC 430 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Choosing high deductibles could save up to $830 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $285 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $2,000 to $2,700 additional each year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 132% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Lexus SC 430 insurance prices. A 40-year-old driver could pay as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or 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% |
Since prices can be so different, the best way to figure out your exact price is to do a rate comparison and see which company has the best price. Every company uses a different rate calculation, and prices may be quite different.
| 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 Affordable Lexus SC 430 Insurance
Getting lower rates on car insurance not only requires being a good driver, but also having above-average credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a brief review of the information touched on in the above illustrations.
- You may be able to save up to $210 per year simply by quoting online in advance
- Drivers age 16 to 20 are charged the highest prices, possibly costing $496 a month if full coverage is included
- Increasing physical damage deductibles could save as much as $825 each year
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,970 more every year than a safer driver
- Policyholders who may need an increased level of liability coverage will pay about $350 per year to go from a low limit to a 250/500 level
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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