Lexus SC 430 Insurance Rates
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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
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Average insurance rates for a Lexus SC 430 are $1,696 a year with full coverage. Comprehensive insurance costs an estimated $432 a year, collision costs $812, and liability insurance costs $316. Buying just liability costs as little as $376 a year, with insurance for high-risk drivers costing $3,670 or more. 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:
Rates are based on $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and SC 430 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $376 for just liability insurance to a high of $3,670 for high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than congested cities.
The diagram below illustrates how rural and urban location affects insurance prices.
These examples demonstrate why it is important to compare rates for a targeted area and risk profile, 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 Details
The chart below details estimated Lexus SC 430 insurance rates for other coverage scenarios.
- The best full coverage rate is $944
- Drivers who choose higher $1,000 deductibles will pay approximately $1,414 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,696
- Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $548 a year
- High risk drivers with multiple tickets or accidents could pay up to $3,670 or more
- The cost for full coverage for a teen driver can cost as much as $5,956 a year
Auto insurance rates for a Lexus SC 430 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles could pay as little as $1,600 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $5,900 a year. View Rates by Age
Where you live makes a big difference in Lexus SC 430 insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like Utah, Ohio, and New Hampshire, or at least $2,290 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles could save up to $830 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $285 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $2,000 to $2,700 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.
| 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 Find the Best Cheap Lexus SC 430 Insurance
Saving money on Lexus SC 430 insurance not only requires being a safe and courteous driver, but also having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below is a quick review of the material that was raised in the charts and tables above.
- Drivers who want higher levels of liability will pay around $350 every year to go from a minimum limit to 250/500 limits
- Teenage drivers are the costliest to insure, with premiums as much as $496 per month if they have full coverage
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,970 more annually for auto insurance
- Increasing deductibles can save around $825 each year
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.
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