Lexus SC 430 Insurance Rates

Estimated insurance prices for a Lexus SC 430 are $1,696 every 12 months with full coverage. Comprehensive insurance costs on average $432 each year, collision insurance costs $812, and liability costs $316. A policy with only liability insurance costs as little as $376 a year, and a high-risk policy costs $3,670 or more. 16-year-old drivers pay the most at up to $5,956 a year.

Average premium for full coverage: $1,696

Premium estimates by type of coverage:

Estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and SC 430 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than congested cities. The graphic below illustrates how rural and urban location affects car insurance rates.

These rate differences demonstrate why all drivers should compare rates based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

Rate Comparisons

The chart below details average Lexus SC 430 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $944
• Drivers who choose higher $1,000 deductibles will pay around $282 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,696
• Buying low deductibles for comprehensive and collision insurance costs an extra $548 annually
• Drivers with multiple tickets or accidents could pay upwards of $3,670
• An auto insurance policy to insure a 16-year-old driver may cost $5,956 a year

Car insurance prices for a Lexus SC 430 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your SC 430.

Opting for high physical damage deductibles could save up to $830 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $285 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $5,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $2,000 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers can cost from 45% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Lexus SC 430 insurance prices. A 40-year-old driver could pay as low as $1,220 a year in states like New Hampshire, Ohio, and Utah, or at least $2,290 on average in Florida, Michigan, and New York.

How to Shop for Low Cost Lexus SC 430 Insurance

Finding better rates on insurance for a Lexus SC 430 not only requires not taking risks behind the wheel, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Set aside time to shop around at least once a year by getting quotes from direct companies, and also from local exclusive and independent agents.

The following is a review of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $210 per year just by quoting online in advance
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,970 more each year for SC 430 insurance
• Increasing policy deductibles could save as much as $825 each year
• Teens are expensive to insure, possibly costing $496 per month if the policy includes full coverage