Lexus SC 430 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 5, 2024

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Estimated insurance prices for a Lexus SC 430 are $1,696 every 12 months for full coverage. Comprehensive insurance costs an estimated $432, collision costs $812, and liability costs $316. Liability-only coverage costs as little as $376 a year, with high-risk coverage costing $3,670 or more. 16-year-old 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:

Comprehensive $432
Collision $812
Liability $316

Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different SC 430 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Lexus SC 430 go from the cheapest price of $376 for just liability coverage to a much higher rate of $3,670 for a driver that may need high-risk insurance.

Liability Only $376
Full Coverage $1,696
High Risk $3,670

Insurance Price Range by Location

Your location can make a big difference on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than congested cities.

The price range example below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,272
Small Cities $1,781
Large Cities $2,290

These rate differences show why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of making a decision based on rate 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.

Detailed Rate Analysis

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

  • The best full coverage rate is $944
  • Drivers who choose higher $1,000 deductibles will pay approximately $282 a year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,696
  • Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $548 annually
  • Drivers with multiple tickets or accidents could pay up to $3,670 or more
  • An auto insurance policy to insure a 16-year-old driver with full coverage can cost as much as $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 driver profile, and the model year and trim level.

Opting for high physical damage deductibles could save up to $830 annually, while increasing your policy's liability limits will increase premiums. Going 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 may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $2,000 to $2,700 extra annually, depending on your age. High-risk driver insurance can cost from 45% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Lexus SC 430 insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Iowa, Maine, and Idaho, or at least $2,420 on average in New York, Louisiana, and Michigan.

Lexus SC 430 Insurance Rates by State
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 only way to know which insurance company is cheapest is to compare prices from multiple companies. Every company utilizes a different rate formula, so the prices will be substantially different.

Lexus SC 430 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Lexus SC 430 $228 $340 $402 $1,106

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 Low Cost Lexus SC 430 Insurance

Finding better rates on insurance for a Lexus SC 430 not only requires being safe and accident-free, but also having good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around once a year by getting quotes from direct carriers, and also from several local insurance agents.

Below you'll find a review of the data that was raised in the charts and tables above.

  • Drivers can save approximately $210 per year simply by shopping early and online
  • Insureds who want more liability protection will pay around $350 each year to go from 30/60 bodily injury limits to a 250/500 level
  • Youthful drivers are charged the highest prices, as much as $496 per month if they have full coverage
  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,970 more annually than a low-risk driver

Rates by Driver Age

Lexus SC 430 Insurance 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

Lexus SC 430 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,244
$250 $1,990
$500 $1,696
$1,000 $1,414

Full coverage, driver age 40

Rates by Liability Limit

Lexus SC 430 Insurance Rates with Different Liability Limits
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

Lexus SC 430 Insurance 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.

SR-22 Surcharge $240

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
Rate after discounts $944

Discounts are estimated and may not be available from every company or in every state.

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