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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Average auto insurance rates for a Lexus SC 430 are $1,696 annually including full coverage. Comprehensive costs an estimated $432, collision costs $812, and liability is estimated at $316. A liability-only policy costs approximately $376 a year, with high-risk insurance costing around $3,670. Teens receive the highest rates at $5,956 a year or more.
Average premium for full coverage: $1,696
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all SC 430 models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $376 for your basic liability-only policy to the much higher price of $3,670 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how geographic area affects insurance prices.
These examples highlight why everyone should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.
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.
More Rate Information
The chart below breaks down estimated Lexus SC 430 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $944
- Choosing higher $1,000 deductibles can save approximately $282 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,696
- Selecting pricier low deductibles for comp and collision coverage will cost $2,244
- Higher-risk drivers with serious driving violations could pay up to $3,670 or more
- The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,956 each year
Insurance rates for a Lexus SC 430 can also vary considerably based on the trim level of your SC 430, your driving characteristics, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,600 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $5,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $2,000 to $2,700 extra per year, depending on your age. Lexus SC 430 insurance for high-risk drivers ranges from 45% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $830 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $285 more per year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Lexus SC 430 insurance prices. A good driver about age 40 could pay as low as $1,300 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,420 on average in Louisiana, New York, and Michigan.
| 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% |
With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, so the rates can be significantly different between companies.
| 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 Buy the Best Lexus SC 430 Insurance
Saving money on insurance for a Lexus SC 430 takes being a good driver, having a good credit history, not filing small claims, and taking advantage of discounts. Invest the time to compare rates once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following list is a brief recap of the data that was presented in the illustrations above.
- You may be able to save approximately $210 per year simply by quoting online well ahead of the renewal date
- Insureds who want an increased level of liability coverage will pay approximately $350 per year to raise limits from a minimum limit to higher 250/500 limits
- Drivers age 16 to 20 are charged the highest rates, as much as $496 per month including comprehensive and collision insurance
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,970 more annually than a safer driver
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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