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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U.S. average auto insurance rates for a Lexus SC 430 are $1,696 annually for full coverage. Comprehensive costs around $432, collision costs $812, and liability 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 pay the highest rates at $5,956 a year or more.
Average premium for full coverage: $1,696
Price estimates for individual coverage:
Includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different SC 430 trim levels.
Price Range from Low to High
For a driver in their 40's, Lexus SC 430 insurance prices go from as cheap as $376 for a discount liability-only rate to a much higher rate of $3,670 for high-risk insurance.
Geographic Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities.
The price range example below illustrates how location helps determine auto insurance rates.
The ranges above show why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below shows estimated Lexus SC 430 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $944
- Using higher $1,000 deductibles will save about $282 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,696
- Buying more expensive low deductibles for physical damage coverage will cost $2,244
- High-risk insureds with multiple tickets or accidents could pay at least $3,670 or more
- The price with full coverage for a 16-year-old driver with full coverage can be $5,956 or more
Insurance prices for a Lexus SC 430 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,600 a year for full coverage. Prices are highest for teenage 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 have some driving violations or you caused a few accidents, you could be paying at least $2,000 to $2,700 additional each year, depending on your age. High-risk driver insurance can be from 45% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $830 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $285 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Lexus SC 430 insurance prices. A driver around age 40 might see prices as low as $1,120 a year in states like Idaho, Maine, and Iowa, or at least $2,420 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus SC 430 | $214 | $308 | $402 | $1,060 |
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 Cheapest Lexus SC 430 Insurance
Getting lower rates on insurance for a Lexus SC 430 requires avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a recap of the material that was covered in the charts and tables above.
- Insureds who may need increased liability limits will pay around $350 each year to increase from a low limit to higher 250/500 limits
- Drivers under the age of 20 are charged the highest prices, with premiums as much as $496 a month if they have full coverage
- Drivers considered higher risk that have major violations or accidents pay an average of $1,970 more every year to insure a Lexus SC 430
- Increasing physical damage deductibles could save up to $825 each year
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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