Lexus SC 430 Insurance Rates

Average auto insurance rates for a Lexus SC 430 are $1,696 annually for full coverage insurance. Comprehensive insurance costs around $432 a year, collision insurance costs $812, and liability insurance is $316. A policy with just liability insurance costs around $376 a year, and coverage for high-risk drivers costs $3,670 or more. 16-year-old 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:

Full coverage includes $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and SC 430 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities. The diagram below illustrates how your location can change auto insurance rates.

These examples illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

More Rate Details

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

• The best full coverage rate is $944
• Raising to $1,000 deductibles will save about $1,414 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,696
• Buying low $100 deductibles costs an additional $548 a year
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,670
• The cost with full coverage for a teen driver can be $5,956

Insurance rates for a Lexus SC 430 can also vary considerably based on the trim level of your SC 430, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $2,000 to $2,700 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $830 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $285 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Lexus SC 430 insurance rates. A middle-age driver might find rates as low as $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,290 on average in Michigan, New York, and Florida.

How to Buy More Affordable Lexus SC 430 Insurance

Saving money on Lexus SC 430 insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every year by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a summary of the coverage data illustrated above.

• It is possible to save up to $210 per year just by quoting early and online
• Increasing deductibles could save up to $825 each year
• Teens are charged the highest rates, costing up to $496 per month if they have full coverage
• High-risk drivers who have multiple accidents or major violations pay on average $1,970 more every year for SC 430 insurance