Lexus SC 430 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance prices for a Lexus SC 430 are $1,696 every 12 months for full coverage. Comprehensive costs an estimated $432, collision costs $812, and liability insurance costs around $316. Buying just liability costs as low as $376 a year, with insurance for high-risk drivers costing around $3,670. 16-year-old drivers receive the highest rates at $5,956 a year or more.
Average premium for full coverage: $1,696
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different SC 430 trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $376 for your basic liability-only policy to a much higher rate of $3,670 for a high-risk driver policy.
Price Range by Location
Where you live has a significant impact on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities.
The price range example below illustrates how location helps determine insurance prices.
These examples show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Lexus SC 430 insurance rates for other coverage scenarios.
- The best full coverage rate is $944
- Using higher $1,000 deductibles will save approximately $282 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,696
- Buying more expensive low deductibles for physical damage coverage increases the price to $2,244
- Drivers with multiple tickets or accidents could pay up to $3,670 or more
- The cost to insure a teen driver with full coverage can cost as much as $5,956 or more
Auto insurance rates for a Lexus SC 430 can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $830 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $285 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,600 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $5,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $2,000 to $2,700 in extra premium per year, depending on your age. High-risk driver insurance can be anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on Lexus SC 430 insurance rates. A driver around age 40 might see rates as low as $1,120 a year in states like Iowa, Maine, and Idaho, or at least $2,420 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,532 | -$164 | -9.7% |
| Alaska | $1,298 | -$398 | -23.5% |
| Arizona | $1,406 | -$290 | -17.1% |
| Arkansas | $1,696 | -$0 | 0.0% |
| California | $1,932 | $236 | 13.9% |
| Colorado | $1,618 | -$78 | -4.6% |
| Connecticut | $1,740 | $44 | 2.6% |
| Delaware | $1,916 | $220 | 13.0% |
| Florida | $2,116 | $420 | 24.8% |
| Georgia | $1,566 | -$130 | -7.7% |
| Hawaii | $1,220 | -$476 | -28.1% |
| Idaho | $1,148 | -$548 | -32.3% |
| Illinois | $1,264 | -$432 | -25.5% |
| Indiana | $1,278 | -$418 | -24.6% |
| Iowa | $1,144 | -$552 | -32.5% |
| Kansas | $1,610 | -$86 | -5.1% |
| Kentucky | $2,312 | $616 | 36.3% |
| Louisiana | $2,508 | $812 | 47.9% |
| Maine | $1,046 | -$650 | -38.3% |
| Maryland | $1,400 | -$296 | -17.5% |
| Massachusetts | $1,352 | -$344 | -20.3% |
| Michigan | $2,942 | $1,246 | 73.5% |
| Minnesota | $1,418 | -$278 | -16.4% |
| Mississippi | $2,030 | $334 | 19.7% |
| Missouri | $1,502 | -$194 | -11.4% |
| Montana | $1,820 | $124 | 7.3% |
| Nebraska | $1,336 | -$360 | -21.2% |
| Nevada | $2,032 | $336 | 19.8% |
| New Hampshire | $1,222 | -$474 | -27.9% |
| New Jersey | $1,896 | $200 | 11.8% |
| New Mexico | $1,500 | -$196 | -11.6% |
| New York | $1,784 | $88 | 5.2% |
| North Carolina | $976 | -$720 | -42.5% |
| North Dakota | $1,388 | -$308 | -18.2% |
| Ohio | $1,168 | -$528 | -31.1% |
| Oklahoma | $1,738 | $42 | 2.5% |
| Oregon | $1,554 | -$142 | -8.4% |
| Pennsylvania | $1,616 | -$80 | -4.7% |
| Rhode Island | $2,258 | $562 | 33.1% |
| South Carolina | $1,536 | -$160 | -9.4% |
| South Dakota | $1,432 | -$264 | -15.6% |
| Tennessee | $1,482 | -$214 | -12.6% |
| Texas | $2,044 | $348 | 20.5% |
| Utah | $1,254 | -$442 | -26.1% |
| Vermont | $1,156 | -$540 | -31.8% |
| Virginia | $1,014 | -$682 | -40.2% |
| Washington | $1,306 | -$390 | -23.0% |
| West Virginia | $1,554 | -$142 | -8.4% |
| Wisconsin | $1,172 | -$524 | -30.9% |
| Wyoming | $1,510 | -$186 | -11.0% |
With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus SC 430 | $208 | $278 | $398 | $1,020 |
Rates are averaged for all Lexus SC 430 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Lexus SC 430 Insurance
Saving money on Lexus SC 430 insurance requires not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Invest time comparing rates every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a brief review of the information covered in the charts and tables above.
- Drivers can save approximately $210 per year simply by shopping early and online
- Teens are the costliest to insure, costing as high as $496 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $825 each year
- High-risk drivers with DUI or reckless driving convictions pay on average $1,970 more annually for SC 430 insurance
- Drivers who want higher liability limits will pay around $350 each year to increase from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,956 |
| 20 | $3,908 |
| 30 | $1,796 |
| 40 | $1,696 |
| 50 | $1,542 |
| 60 | $1,514 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,244 |
| $250 | $1,990 |
| $500 | $1,696 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,696 |
| 50/100 | $1,759 |
| 100/300 | $1,838 |
| 250/500 | $2,044 |
| 100 CSL | $1,791 |
| 300 CSL | $1,965 |
| 500 CSL | $2,091 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,584 |
| 20 | $6,214 |
| 30 | $3,784 |
| 40 | $3,670 |
| 50 | $3,494 |
| 60 | $3,464 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $94 |
| Multi-vehicle | $86 |
| Homeowner | $22 |
| 5-yr Accident Free | $137 |
| 5-yr Claim Free | $112 |
| Paid in Full/EFT | $87 |
| Advance Quote | $89 |
| Online Quote | $125 |
| Total Discounts | $752 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
