Lexus SC 430 Insurance Rates

The average insurance rates for a Lexus SC 430 are $1,696 a year for full coverage insurance. Comprehensive insurance costs around $432 each year, collision insurance costs $812, and liability is $316. Liability-only coverage costs around $376 a year, and high-risk coverage costs $3,670 or more. 16-year-old drivers cost the most to insure at up to $5,956 a year.

Average premium for full coverage: $1,696

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and SC 430 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why all drivers should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below illustrates average Lexus SC 430 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $944
• Raising to $1,000 deductibles will save about $282 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,696
• Buying low deductibles will cost an extra $548 annually
• Drivers with multiple tickets or accidents could pay at least $3,670
• Policy cost for full coverage for a 16-year-old driver can be $5,956

Insurance rates for a Lexus SC 430 also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $5,900 a year. View Rates by Age

Your home state also has a big influence on Lexus SC 430 insurance prices. A middle-age driver might find rates as low as $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,290 on average in Michigan, New York, and Florida.

Opting for high physical damage deductibles can reduce rates by up to $830 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $285 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $2,000 to $2,700 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 132% more than the average rate. View High Risk Driver Rates

How to Find Cheaper Lexus SC 430 Insurance

Finding cheaper rates on insurance for a Lexus SC 430 consists of being a good driver, having a good credit history, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around at every policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a condensed summary of the data raised in the charts and tables above.

• Insureds who may need an increased level of liability coverage will pay around $350 annually to raise from a 30/60 limit to 250/500 limits
• It is possible to save up to $210 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $825 each year
• Drivers age 16 to 20 are charged the highest rates, possibly costing $496 each month including comprehensive and collision insurance