Lexus SC 430 Insurance Rates

U.S. average insurance rates for a Lexus SC 430 are $1,696 a year for full coverage. Comprehensive insurance costs an estimated $432 each year, collision insurance costs $812, and liability insurance is estimated at $316. A policy with just liability insurance costs approximately $376 a year, and coverage for high-risk drivers costs $3,670 or more. Teenage drivers pay the highest rates at up to $5,956 a year.

Average premium for full coverage: $1,696

Price estimates broken down by individual coverage:

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and SC 430 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

The ranges above show why all drivers should get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Information

The chart below shows average Lexus SC 430 insurance rates for other coverage scenarios.

• The best discount rate is $944
• Choosing higher $1,000 deductibles can save approximately $282 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,696
• Using low deductibles for comp and collision coverage will cost an extra $548 a year
• High-risk insureds who are prone to accidents and violations could pay up to $3,670
• The price for full coverage for a teen driver can cost as much as $5,956 each year

Insurance prices for a Lexus SC 430 are also quite variable based on your driving record, the trim level of your SC 430, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $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 rates. A good driver about age 40 could pay as low as $1,120 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,420 on average in New York, Louisiana, and Michigan.

Using high physical damage deductibles can save as much as $830 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $285 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $2,000 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Lexus SC 430 Insurance

Getting lower rates on Lexus SC 430 insurance takes having a good driving record, maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a quick review of the data that was touched on above.

• Drivers can save approximately $210 per year just by quoting online in advance
• Drivers who want increased levels of liability coverage will pay an extra $350 each year to raise limits from a low limit to 250/500 limits
• Drivers age 20 and younger are charged the highest prices, with premiums as much as $496 a month for full coverage
• High-risk drivers with a DUI or reckless driving violation pay an average of $1,970 more annually to buy Lexus SC 430 insurance