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 insurance rates for a Lexus SC 430 are $1,696 a year including full coverage. Comprehensive costs an estimated $432 each year, collision costs $812, and liability costs around $316. Liability-only coverage costs as low as $376 a year, with high-risk coverage costing around $3,670. Teen drivers 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:
Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and SC 430 models.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $376 for just liability coverage to a high rate of $3,670 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how location impacts insurance prices.
These examples highlight why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on price 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.
Detailed Rate Analysis
The chart below breaks down estimated Lexus SC 430 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $944
- Using higher $1,000 deductibles will save approximately $282 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,696
- Choosing low deductibles for physical damage coverage will increase the cost to $2,244
- High-risk insureds with multiple violations and an at-fault accident could pay up to $3,670 or more
- The cost for full coverage for a 16-year-old driver can cost as much as $5,956 or more
Car insurance rates for a Lexus SC 430 can also vary considerably based on your driver profile, the model of your SC 430, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles may pay as low as $1,600 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,900 a year. View Rates by Age
Where you live has a huge impact on Lexus SC 430 insurance prices. A driver around age 40 might see rates as low as $1,300 a year in states like Vermont, New Hampshire, and Missouri, or as much as $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% |
Choosing high deductibles could cut rates by as much as $830 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $2,000 to $2,700 extra per year, depending on your age. Insurance for high-risk drivers can be from 45% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.
| 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 Low Cost Lexus SC 430 Insurance
Saving money on insurance for a Lexus SC 430 requires having a decent driving record, having above-average credit, not filing small claims, and not having any coverage lapses. Spend time shopping around once a year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The following items are a review of the data that was touched on above.
- You may be able to save approximately $210 per year simply by quoting online in advance
- Insureds who want additional liability coverage will pay about $350 per year to increase from a minimum limit to 250/500 limits
- 16 to 18-year-old drivers have the highest car insurance rates, as much as $496 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,970 more annually than a driver with a clean driving record
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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