Lexus SC 430 Insurance Rates

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UPDATED: Apr 5, 2024

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Average insurance rates for a Lexus SC 430 are $1,696 a year for full coverage. Comprehensive costs around $432 each year, collision insurance costs $812, and liability insurance is $316. Liability-only coverage costs around $376 a year, and high-risk coverage costs around $3,670. Teenage 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:

Comprehensive $432
Collision $812
Liability $316

Rates are based on $500 deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and SC 430 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from the low end price of $376 for basic liability insurance to a high rate of $3,670 for a driver that may need high-risk insurance.

Liability Only $376
Full Coverage $1,696
High Risk $3,670

Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

Rural Areas $1,272
Small Cities $1,781
Large Cities $2,290

These examples show why all drivers should compare rates quotes for a specific zip code, 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.

Rate Comparisons

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

  • The best discount rate is $944
  • Raising to $1,000 deductibles will save about $282 a year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,696
  • Using low deductibles bumps up the cost to $2,244
  • Higher-risk drivers who are prone to accidents and violations could pay at least $3,670
  • The cost that insures a teen driver can be $5,956

Car insurance rates for a Lexus SC 430 can also vary considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $2,000 to $2,700 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $5,900 a year. View Rates by Age

Where you live also has a big influence on Lexus SC 430 insurance rates. A middle-age driver might find rates as low as $1,120 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,420 on average in Michigan, Louisiana, and New York.

Lexus SC 430 Insurance Rates by State
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%

Using high physical damage deductibles can reduce rates by up to $830 each year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit

Lexus SC 430 Insurance Rates by Model Year
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 Find the Best Cheap Lexus SC 430 Insurance

Saving money on Lexus SC 430 insurance consists of not taking risks behind the wheel, having a positive credit history, eliminating unneeded coverage, and consideration of higher deductibles. Compare prices once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a quick review of the data that was touched on in the above illustrations.

  • Drivers can save up to $210 per year just by quoting online in advance
  • Drivers who may need higher liability limits will pay an extra $350 each year to raise from a minimum limit to the 250/500 level
  • Teens are the costliest to insure, costing as high as $496 per month if full coverage is purchased
  • High-risk drivers with a DUI or reckless driving violation pay on average $1,970 more every year for SC 430 insurance

Rates by Driver Age

Lexus SC 430 Insurance 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

Lexus SC 430 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,244
$250 $1,990
$500 $1,696
$1,000 $1,414

Full coverage, driver age 40

Rates by Liability Limit

Lexus SC 430 Insurance Rates with Different Liability Limits
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

Lexus SC 430 Insurance 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.

SR-22 Surcharge $240

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
Rate after discounts $944

Discounts are estimated and may not be available from every company or in every state.

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