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 auto insurance rates for a Lexus SC 430 are $1,696 annually with full coverage. Comprehensive insurance costs approximately $432, collision costs $812, and liability insurance costs $316. Buying just liability costs as little as $376 a year, with insurance for high-risk drivers costing $3,670 or more. Teenage 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:
Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different SC 430 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $376 for minimum levels of liability insurance to a much higher rate of $3,670 for a driver who requires high-risk insurance.
Price Range by Location
Your location has a significant impact on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities.
The price range example below illustrates how location impacts auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.
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.
Additional Rate Details
The chart below details estimated Lexus SC 430 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $944
- Drivers who choose higher $1,000 deductibles will pay $282 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,696
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $548 a year
- High risk drivers who are prone to accidents and violations could pay around $3,670 or more
- The cost with full coverage for a teen driver with full coverage can cost $5,956 a year
Auto insurance rates for a Lexus SC 430 can also vary considerably based on the trim level of your SC 430, your driving record, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $2,000 to $2,700 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $830 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $285 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Lexus SC 430 insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,290 on average in New York, Michigan, and Florida.
| 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 best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
| 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 Buy the Right Lexus SC 430 Insurance
Saving money on Lexus SC 430 insurance not only requires being a safe and courteous driver, but also having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Spend time shopping around at every other renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below is a quick rundown of the concepts that were touched on above.
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,970 more per year for auto insurance
- Teenage drivers have the highest car insurance rates, with premiums as much as $496 per month if full coverage is included
- You may be able to save around $210 per year simply by shopping early and online
- Increasing deductibles could save up to $825 each year
- You may be able to save around $210 per year simply by shopping early and online
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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