Lexus SC 430 Insurance Rates

Average insurance rates for a Lexus SC 430 are $1,696 a year for full coverage. Comprehensive costs around $432 each year, collision insurance costs $812, and liability insurance is $316. Liability-only coverage costs around $376 a year, and high-risk coverage costs around $3,670. Teenage drivers receive the highest rates at up to $5,956 a year.

Average premium for full coverage: $1,696

Rate estimates for individual coverage type:

Rates are based on $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and SC 430 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

These examples show why all drivers should compare rates quotes for a specific zip code, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $944
• Raising to $1,000 deductibles will save about $282 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,696
• Using low deductibles bumps up the cost to $2,244
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,670
• The cost that insures a teen driver can be $5,956

Car insurance rates for a Lexus SC 430 can also vary considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $2,000 to $2,700 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $5,900 a year. View Rates by Age

Where you live also has a big influence on Lexus SC 430 insurance rates. A middle-age driver might find rates as low as $1,120 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,420 on average in Michigan, Louisiana, and New York.

Using high physical damage deductibles can reduce rates by up to $830 each year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Lexus SC 430 Insurance

Saving money on Lexus SC 430 insurance consists of not taking risks behind the wheel, having a positive credit history, eliminating unneeded coverage, and consideration of higher deductibles. Compare prices once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a quick review of the data that was touched on in the above illustrations.

• Drivers can save up to $210 per year just by quoting online in advance
• Drivers who may need higher liability limits will pay an extra $350 each year to raise from a minimum limit to the 250/500 level
• Teens are the costliest to insure, costing as high as $496 per month if full coverage is purchased
• High-risk drivers with a DUI or reckless driving violation pay on average $1,970 more every year for SC 430 insurance