Lexus SC 430 Insurance Rates

Estimated insurance rates for a Lexus SC 430 are $1,696 a year for full coverage insurance. Comprehensive costs approximately $432, collision costs $812, and liability costs $316. Liability-only coverage costs as little as $376 a year, with high-risk coverage costing around $3,670. Teenage drivers pay the most at $5,956 a year or more.

Average premium for full coverage: $1,696

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all SC 430 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how location helps determine auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $944
• Drivers who choose higher $1,000 deductibles will pay $282 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,696
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,244
• Higher-risk drivers who are prone to accidents and violations could pay around $3,670 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can cost $5,956 a year

Insurance prices for a Lexus SC 430 also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,900 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus SC 430 insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,290 on average in Florida, New York, and Michigan.

Using high physical damage deductibles could save up to $830 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $285 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $2,000 to $2,700 extra annually, depending on your age. Lexus SC 430 insurance for high-risk drivers can cost as much as 45% to 132% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially different from one company to the next.

How to Find Cheap Lexus SC 430 Insurance

Finding better rates on car insurance not only requires avoiding accidents and claims, but also maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at every other renewal by requesting quotes from direct 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 concepts that were covered in the charts and tables above.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,970 more per year to insure a Lexus SC 430
• Drivers under the age of 20 are expensive to insure, with premiums being up to $496 per month for full coverage
• It is possible to save around $210 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $825 each year
• It is possible to save around $210 per year simply by quoting online well ahead of the renewal date