Lexus SC 430 Insurance Rates

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UPDATED: Apr 5, 2024

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Average insurance prices for a Lexus SC 430 are $1,696 every 12 months for full coverage. Comprehensive costs an estimated $432, collision costs $812, and liability insurance costs around $316. Buying just liability costs as low as $376 a year, with insurance 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 broken down by individual coverage type:

Comprehensive $432
Collision $812
Liability $316

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different SC 430 trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from the cheapest price of $376 for your basic liability-only policy to a much higher rate of $3,670 for a high-risk driver policy.

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

Price Range by Location

Where you live has a significant impact on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities.

The price range example below illustrates how location helps determine insurance prices.

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

These examples show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying 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 Information

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

  • The best full coverage rate is $944
  • Using higher $1,000 deductibles will save approximately $282 a year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,696
  • Buying more expensive low deductibles for physical damage coverage increases the price to $2,244
  • Drivers with multiple tickets or accidents could pay up to $3,670 or more
  • The cost to insure a teen driver with full coverage can cost as much as $5,956 or more

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

Opting for high physical damage deductibles could cut rates by as much as $830 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $285 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,600 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have 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 could be paying $2,000 to $2,700 in extra premium per year, depending on your age. High-risk driver insurance can be anywhere from 45% to 132% more than the average rate. 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 $1,120 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 so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.

Lexus SC 430 Insurance Rates by Model Year
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 Shop for Affordable Lexus SC 430 Insurance

Saving money on Lexus SC 430 insurance requires not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Invest time comparing rates every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief review of the information covered in the charts and tables above.

  • Drivers can save approximately $210 per year simply by shopping early and online
  • Teens are the costliest to insure, costing as high as $496 per month if comprehensive and collision insurance is included
  • Increasing deductibles could save as much as $825 each year
  • High-risk drivers with DUI or reckless driving convictions pay on average $1,970 more annually for SC 430 insurance
  • Drivers who want higher liability limits will pay around $350 each year to increase from a minimum limit to a 250/500 level

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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