Lexus SC 430 Insurance Rates

The average insurance prices for a Lexus SC 430 are $1,696 every 12 months with full coverage. Comprehensive costs around $432 a year, collision insurance costs $812, and liability coverage costs $316. Liability-only insurance costs as little as $376 a year, and high-risk driver insurance costs around $3,670. Teens cost the most to insure at up to $5,956 a year.

Average premium for full coverage: $1,696

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and SC 430 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

The examples above demonstrate why it is important to compare rates for a specific zip code and their own driving history, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $944
• Drivers who choose higher $1,000 deductibles will pay about $1,414 annually
• The average price for a good driver age 40 using $500 deductibles is $1,696
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $2,244
• High-risk insureds with serious driving violations could pay at least $3,670
• Policy cost to insure a teenage driver can be $5,956 a year

Auto insurance rates for a Lexus SC 430 also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $830 a year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $5,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $2,000 to $2,700 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 45% to 132% more than the average policy. View High Risk Driver Rates

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

How to Shop for the Best Cheap Lexus SC 430 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and possibly raising deductibles. Invest the time to shop around at every policy renewal by requesting rates from direct companies, and also from several local insurance agents.

The list below is a quick review of the data illustrated above.

• Consumers who may need higher liability limits will pay approximately $350 every year to go from a 30/60 limit to a 250/500 level
• You may be able to save up to $210 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $825 each year
• Teenagers are expensive to insure, as much as $496 each month if comprehensive and collision insurance is included