Lexus SC 430 Insurance Rates

The average auto insurance rates for a Lexus SC 430 are $1,696 annually for full coverage insurance. Comprehensive costs on average $432 each year, collision insurance costs $812, and liability insurance is $316. A liability-only policy costs around $376 a year, and high-risk insurance costs around $3,670. Teen drivers cost the most to insure at up to $5,956 a year.

Average premium for full coverage: $1,696

Policy rates by type of insurance:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and SC 430 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.

The examples above illustrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $944
• Raising to $1,000 deductibles will save around $282 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,696
• Choosing low deductibles will cost $2,244
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,670
• Policy cost with full coverage for a teen driver may cost $5,956

Car insurance rates for a Lexus SC 430 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $5,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $2,000 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $830 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $285 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Lexus SC 430 insurance rates. A middle-age driver might find rates as low as $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,290 on average in Michigan, New York, and Florida.

How to Buy Cheap Lexus SC 430 Insurance

Finding cheaper rates on Lexus SC 430 insurance consists of having a good driving record, having a good credit score, being claim-free, and possibly raising deductibles. Take the time to comparison shop at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief summary of the car insurance concepts touched on in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,970 more each year to buy Lexus SC 430 insurance
• It is possible to save as much as $210 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $825 each year
• Drivers who require increased levels of liability coverage will pay about $350 annually to raise from a 30/60 limit to higher 250/500 limits