Lexus SC 430 Insurance Rates

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

Average premium for full coverage: $1,696

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and SC 430 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why all drivers should compare rates quotes for a specific zip code, instead of using average rates.

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

Rate Comparisons

The chart below details average Lexus SC 430 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $944
• Raising to $1,000 deductibles will save about $282 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,696
• Using low deductibles bumps up the cost to $2,244
• At-risk drivers who are prone to accidents and violations could pay at least $3,670
• Policy cost that insures a teen driver can be $5,956

Auto insurance rates for a Lexus SC 430 also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $2,000 to $2,700 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,900 a year. View Rates by Age

Your home state also has a big influence on Lexus SC 430 insurance prices. A middle-age driver might find rates as low as $1,220 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,290 on average in Florida, Michigan, and New York.

Using high physical damage deductibles can reduce rates by up to $830 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $285 extra every year. View Rates by Deductible or Liability Limit

How to Find More Affordable Lexus SC 430 Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every year by getting quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a summary of the coverage data covered in the above illustrations.

• You may be able to save up to $210 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $825 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $496 each month if the policy includes full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,970 more every year than a driver with a clean driving record