Lexus SC 430 Insurance Rates

Average insurance rates for a Lexus SC 430 are $1,696 a year for full coverage. Comprehensive costs on average $432 each year, collision insurance costs $812, and liability costs around $316. Buying just liability costs as low as $376 a year, and insurance for high-risk drivers 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 by individual coverage type:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all states and SC 430 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

These examples show why all drivers should compare prices based on a specific location and risk profile, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $944
• Using higher $1,000 deductibles will save around $282 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,696
• Using low deductibles for physical damage coverage will increase the cost to $2,244
• Drivers who are prone to accidents and violations could pay upwards of $3,670
• The cost for full coverage for a teen driver may cost $5,956 or more

Auto insurance rates for a Lexus SC 430 can also vary considerably based on your driver profile, the trim level of your SC 430, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,600 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $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 $1,120 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.

Using high physical damage deductibles could cut rates by as much as $830 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $285 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,000 to $2,700 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Right Lexus SC 430 Insurance

Saving money on car insurance requires avoiding accidents and claims, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Spend time shopping around every year by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The points below are a quick rundown of the coverage data touched on above.

• Drivers can save as much as $210 per year just by quoting online in advance
• Increasing deductibles can save around $825 each year
• Drivers under the age of 20 are charged the highest rates, costing as high as $496 per month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions will pay on average $1,970 more each year to insure a Lexus SC 430