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 approximately $432 a year, collision insurance costs $812, and liability costs around $316. Liability-only coverage costs as low as $376 a year, and high-risk coverage costs $3,670 or more. Teens 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:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and SC 430 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Details

The chart below illustrates average Lexus SC 430 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $944
• Using higher $1,000 deductibles will save $1,414 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,696
• Selecting low $100 deductibles for physical damage coverage costs an extra $548 every year
• Drivers with serious driving violations could pay around $3,670
• Policy cost to insure a teen driver can cost $5,956 or more

Insurance rates for a Lexus SC 430 also range considerably based on liability limits and deductibles, your risk profile, and the model of your SC 430.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $830 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents 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 should be prepared to pay in the ballpark 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 anywhere from $2,000 to $2,700 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 132% more than the average 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 North Carolina, Wisconsin, and Vermont, or have to pay at least $2,290 on average in Florida, New York, and Michigan.

How to Shop for Low Cost Lexus SC 430 Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by getting quotes from direct insurance companies, and also from local insurance agencies.

The items below are a review of the ideas that were covered above.

• Teen drivers are the costliest to insure, possibly costing $496 each month if full coverage is included
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,970 more per year to insure their SC 430
• Increasing comprehensive and collision deductibles could save as much as $825 each year
• It is possible to save around $210 per year just by quoting early and online