Lexus SC 430 Insurance Rates

U.S. average insurance prices for a Lexus SC 430 are $1,696 every 12 months including full coverage. Comprehensive costs on average $432, 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. Teen drivers pay the highest rates at up to $5,956 a year.

Average premium for full coverage: $1,696

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all SC 430 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts car insurance rates.

The ranges above highlight why everyone should compare rates quotes based on a specific location and their own driving history, instead of using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $944
• Raising to $1,000 deductibles will save around $282 every year
• The average price for the average middle-age driver with $500 deductibles is $1,696
• Choosing pricier low deductibles increases the price to $2,244
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,670
• The price to insure a teen driver for full coverage may cost $5,956

Car insurance prices for a Lexus SC 430 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your SC 430.

Choosing high deductibles can reduce prices by up to $830 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $5,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $2,000 to $2,700 extra each year, depending on your age. Lexus SC 430 insurance for high-risk drivers is expensive and can cost as much as 45% to 132% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Lexus SC 430 insurance prices. A middle-age driver might find prices as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,420 on average in Michigan, New York, and Louisiana.

How to Shop for Cheap Lexus SC 430 Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, maintaining a good credit score, being claim-free, and possibly raising deductibles. Spend time shopping around at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the data touched on above.

• Policyholders who require increased liability limits will pay about $350 per year to raise from a low limit to a 250/500 level
• You may be able to save as much as $210 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $825 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $496 a month if the policy includes full coverage