Lexus SC 430 Insurance Rates

U.S. average auto insurance rates for a Lexus SC 430 are $1,106 annually including full coverage. Comprehensive costs on average $228 a year, collision costs $340, and liability insurance costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing around $2,380. Teenage drivers pay the highest rates at $4,210 a year or more.

Average premium for full coverage: $1,106

Price estimates by individual coverage:

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and SC 430 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down estimated Lexus SC 430 insurance rates for different risk profiles and scenarios.

• The best discount rate is $650
• Using higher $1,000 deductibles will save around $976 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,106
• Using low $100 deductibles for physical damage coverage will cost $1,354
• Drivers who are prone to accidents and violations could pay upwards of $2,380 or more
• The price with full coverage for a teen driver may cost $4,210 or more

Insurance prices for a Lexus SC 430 are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,300 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $380 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus SC 430 insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,580 on average in Michigan, New York, and Louisiana.

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different between companies.

How to Buy the Cheapest Lexus SC 430 Insurance

Getting lower rates on Lexus SC 430 insurance requires being a low-risk driver, having a good credit history, being claim-free, and bundling your home and auto policies. Spend time shopping around once a year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a recap of the data that was touched on above.

• You may be able to save as much as $130 per year simply by quoting early and online
• Drivers who require more liability coverage will pay an extra $440 per year to increase from a low limit to higher 250/500 limits
• Teen drivers pay the highest prices, possibly costing $351 a month including comprehensive and collision insurance
• High-risk drivers that have major violations or accidents pay on average $1,270 more each year to insure their SC 430