Lexus SC 430 Insurance Rates

The average auto insurance rates for a Lexus SC 430 are $1,696 annually for full coverage insurance. Comprehensive insurance costs on average $432, collision insurance costs $812, and liability insurance costs $316. Liability-only coverage costs as little as $376 a year, and high-risk coverage costs $3,670 or more. 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 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different SC 430 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas. The price range example below illustrates how location impacts car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates 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.

More Rate Details

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

• The lowest rate with discounts is $944
• Drivers who choose higher $1,000 deductibles will pay around $282 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,696
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $548 a year
• High 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 with full coverage may cost $5,956 a year

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.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay 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 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $830 each year, while increasing your policy's 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 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Lexus SC 430 insurance rates. A 40-year-old driver could pay 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 not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around at every policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a brief summary of the data touched on above.

• Drivers who require higher liability limits will pay about $350 annually to go from a 30/60 limit to higher 250/500 limits
• It is possible to save as much as $210 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $825 each year
• Teens pay higher rates, possibly costing $496 each month if they have full coverage