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 auto insurance rates for a Lexus SC 430 are $1,696 annually with full coverage. Comprehensive insurance costs an estimated $432 each year, collision costs $812, and liability coverage is $316. Liability-only insurance costs around $376 a year, with high-risk driver insurance costing $3,670 or more. Teen drivers pay the most at $5,956 a year or more.
Average premium for full coverage: $1,696
Premium estimates broken down by type of coverage:
Includes $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and SC 430 models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Lexus SC 430 go from as cheap as $376 for liability-only coverage to a high rate of $3,670 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas.
The graphic below illustrates how location helps determine insurance prices.
These rate differences demonstrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than 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 Charts and Tables
The chart below details estimated Lexus SC 430 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $944
- Raising to $1,000 deductibles will save approximately $282 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,696
- Choosing low deductibles costs an additional $548 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,670 or more
- An auto insurance policy with full coverage for a teenage driver can cost as much as $5,956
Insurance prices for a Lexus SC 430 also have a wide range based on the model of your SC 430, your driving record, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $5,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $2,000 to $2,700 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $830 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $285 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Lexus SC 430 insurance rates. A middle-age driver might find prices as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,290 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus SC 430 | $214 | $308 | $402 | $1,060 |
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 Buy the Cheapest Lexus SC 430 Insurance
Finding better rates on auto insurance consists of having a good driving record, having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates at least every other year by getting quotes from direct companies, and also from several local insurance agents.
The next list is a recap of the car insurance concepts covered in the charts and tables above.
- Drivers that have major violations or accidents pay on average $1,970 more annually to buy Lexus SC 430 insurance
- You may be able to save approximately $210 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $825 each year
- Consumers who want increased levels of liability coverage will pay about $350 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
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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