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 including full coverage. Comprehensive costs approximately $432 each year, collision costs $812, and liability coverage costs around $316. Liability-only coverage costs as low as $376 a year, with high-risk coverage costing around $3,670. Teens receive the highest rates at $5,956 a year or more.
Average premium for full coverage: $1,696
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and SC 430 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $376 for just liability insurance to a high rate of $3,670 for a policy for a high-risk driver.
Price Range by Location
Where you live has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These examples highlight why all drivers should compare prices using their specific location and their own personal driving habits, rather than using averaged prices.
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 breaks down estimated Lexus SC 430 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $944
- Using higher $1,000 deductibles will save $282 every year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,696
- Selecting low deductibles for physical damage coverage will cost $2,244
- Higher-risk drivers with serious driving violations could pay around $3,670 or more
- The cost with full coverage for a teenage driver can cost $5,956 or more
Car insurance rates for a Lexus SC 430 can also vary considerably based on the trim level of your SC 430, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,600 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged 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 are likely paying anywhere from $2,000 to $2,700 extra 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
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $830 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Lexus SC 430 insurance rates. A driver around age 40 might see rates as low as $1,300 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,420 on average in Louisiana, 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% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, so rate quotes 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 Best Lexus SC 430 Insurance
Saving money on auto insurance requires being safe and accident-free, having a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to shop around every year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.
Below you'll find a brief recap of the coverage data raised in the charts and tables above.
- You may be able to save around $210 per year simply by quoting online in advance
- Increasing deductibles could save up to $825 each year
- Youthful drivers pay the highest auto insurance rates, as much as $496 per month if comprehensive and collision insurance is included
- Drivers who tend to receive serious violations may have to pay on average $1,970 more per year than a low-risk driver
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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