Lexus SC 430 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 5, 2024
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Average insurance rates for a Lexus SC 430 are $1,696 a year for full coverage insurance. Comprehensive costs approximately $432, collision costs $812, and liability is $316. A policy with just liability insurance costs around $376 a year, with coverage for high-risk drivers costing around $3,670. 16-year-old drivers receive the highest rates at $5,956 a year or more.
Average premium for full coverage: $1,696
Rate estimates by individual coverage type:
Rates are based on $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different SC 430 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $376 for just liability insurance to a much higher rate of $3,670 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than congested cities.
The price range example below illustrates how your location can change auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location, 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.
More Rate Details
The chart below illustrates estimated Lexus SC 430 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $944
- Raising to $1,000 deductibles will save $282 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,696
- Buying more expensive low deductibles bumps up the cost to $2,244
- Drivers with multiple tickets or accidents could pay around $3,670 or more
- The cost that insures a 16-year-old driver with full coverage can cost $5,956
Insurance rates for a Lexus SC 430 can also vary considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $2,000 to $2,700 additional per year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 132% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,900 a year. View Rates by Age
Where you live 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 North Carolina, Wisconsin, and Vermont, or at least $2,290 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $830 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $285 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus SC 430 | $208 | $278 | $398 | $1,020 |
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 Find the Best Cheap Lexus SC 430 Insurance
Saving money on insurance for a Lexus SC 430 consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The next list is a quick review of the data that was illustrated above.
- It is possible to save around $210 per year simply by shopping early and online
- Insureds who purchase increased levels of liability coverage will pay around $350 annually to raise from a minimum limit to the 250/500 level
- Drivers age 20 and younger are the costliest to insure, costing up to $496 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,970 more per year to buy Lexus SC 430 insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,244 |
| $250 | $1,990 |
| $500 | $1,696 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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