Lexus SC 430 Insurance Rates

Average insurance prices for a Lexus SC 430 are $1,696 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $432 each year, collision insurance costs $812, and liability coverage costs around $316. A policy with just liability insurance costs as low as $376 a year, and coverage for high-risk drivers costs $3,670 or more. Teens receive the highest rates at up to $5,956 a year.

Average premium for full coverage: $1,696

Rate estimates broken down by individual coverage type:

These estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and SC 430 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on insurance prices.

These examples illustrate why all drivers should compare prices for a targeted area and their own driving history, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $944
• Using higher $1,000 deductibles will save approximately $282 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,696
• Selecting low deductibles for physical damage coverage costs an extra $548 each year
• Higher-risk drivers with serious driving violations could pay up to $3,670
• The cost to insure a teenage driver can cost as much as $5,956 or more

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $830 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $285 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,600 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $5,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $2,000 to $2,700 additional per year, depending on your age. Insurance for high-risk drivers can be around 45% to 132% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Lexus SC 430 insurance rates. A driver around age 40 might see rates as low as $1,110 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,290 on average in Florida, New York, and Michigan.

How to Shop for Cheap Lexus SC 430 Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates at least once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a brief summary of the primary concepts that were touched on in this article.

• It is possible to save approximately $210 per year just by quoting online in advance
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,970 more annually for SC 430 insurance
• Increasing deductibles could save as much as $825 each year
• Teens are expensive to insure, costing up to $496 per month if full coverage is included