Lexus SC 430 Insurance Rates

The average insurance prices for a Lexus SC 430 are $1,696 every 12 months for full coverage insurance. Comprehensive insurance costs on average $432 each year, collision insurance costs $812, and liability costs around $316. Liability-only insurance costs as low as $376 a year, and high-risk driver insurance costs $3,670 or more. Teenage 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:

Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and SC 430 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Information

The chart below illustrates 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 each year
• The average price for a good driver age 40 with $500 deductibles is $1,696
• Using low deductibles for physical damage coverage costs an extra $548 every year
• Drivers who are prone to accidents and violations could pay upwards of $3,670
• Policy cost to insure a teen driver may cost $5,956 or more

Auto insurance rates for a Lexus SC 430 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your SC 430.

Using high physical damage deductibles could cut rates by as much as $830 every year, whereas increasing liability limits will cost you more. Switching 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

More mature drivers with a good driving record and higher deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $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 are probably paying at a minimum $2,000 to $2,700 in extra premium every 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

Your home state has a huge impact on Lexus SC 430 insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,290 on average in Michigan, New York, and Florida.

How to Shop for the Best Lexus SC 430 Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having a good credit score, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates every other policy renewal by requesting rates from direct insurance companies, and also from several local insurance agents.

The items below are a brief recap of the ideas that were covered in the above illustrations.

• Teen drivers are charged the highest rates, possibly costing $496 each month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations pay on average $1,970 more each year to insure their SC 430
• Increasing comprehensive and collision deductibles could save as much as $825 each year
• It is possible to save as much as $210 per year just by quoting online in advance