Lexus SC 430 Insurance Rates

The average insurance prices for a Lexus SC 430 are $1,696 every 12 months for full coverage. Comprehensive costs an estimated $432, collision insurance costs $812, and liability coverage costs $316. Liability-only insurance costs as little as $376 a year, and high-risk driver insurance costs around $3,670. Teenage drivers cost the most to insure at up to $5,956 a year.

Average premium for full coverage: $1,696

Policy rates broken down by type of insurance:

Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all SC 430 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The example below illustrates how your location can change insurance prices.

The examples above show why everyone should compare rates for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below shows average Lexus SC 430 insurance rates for other coverage scenarios.

• The best discount rate is $944
• Drivers who choose higher $1,000 deductibles will pay approximately $282 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,696
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $2,244
• High-risk insureds who are prone to accidents and violations could pay up to $3,670
• Policy cost to insure a teenage driver for full coverage can cost as much as $5,956 a year

Auto insurance rates for a Lexus SC 430 also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles could save up to $830 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $285 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $5,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $2,000 to $2,700 in extra premium every year, depending on your age. Lexus SC 430 insurance for high-risk drivers can cost around 45% to 132% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Lexus SC 430 insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,420 on average in New York, Louisiana, and Michigan.

How to Shop for the Best Cheap Lexus SC 430 Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at least once a year by getting rate quotes from direct carriers, and also from several local insurance agents.

The next list is a quick review of the primary concepts that were illustrated above.

• Drivers can save approximately $210 per year just by quoting online well ahead of the renewal date
• Drivers with a DUI or reckless driving violation pay on average $1,970 more annually to buy Lexus SC 430 insurance
• Increasing comprehensive and collision deductibles could save as much as $825 each year
• Drivers age 20 and younger are the costliest to insure, costing up to $496 each month if comprehensive and collision insurance is included