Lexus SC 430 Insurance Rates
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UPDATED: Apr 5, 2024
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U.S. average insurance rates for a Lexus SC 430 are $1,696 a year for full coverage. Comprehensive costs on average $432, collision costs $812, and liability insurance is estimated at $316. A policy with just liability insurance costs approximately $376 a year, with coverage for high-risk drivers costing around $3,670. 16-year-old drivers pay the highest rates at $5,956 a year or more.
Average premium for full coverage: $1,696
Price estimates by individual coverage:
Full coverage includes $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all SC 430 models.
Price Range from Low to High
Using a 40-year-old driver as an example, Lexus SC 430 insurance prices go from as low as $376 for liability-only coverage to the much higher price of $3,670 for high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities.
The example below illustrates how rural and urban location affects car insurance rates.
The ranges above show why everyone should get quotes based on a specific location 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.
Additional Charts and Tables
The chart below shows estimated Lexus SC 430 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $944
- Choosing higher $1,000 deductibles can save around $282 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,696
- Buying pricier low deductibles for comp and collision coverage will increase the cost to $2,244
- High-risk insureds with multiple tickets or accidents could pay upwards of $3,670 or more
- The price for full coverage for a teen driver for full coverage may cost $5,956 each year
Insurance prices for a Lexus SC 430 are also quite variable based on your driving record, the trim level of your SC 430, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,600 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $5,900 a year. View Rates by Age
The state you live in plays a big part in determining prices for Lexus SC 430 insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Idaho, Maine, and Iowa, or at least $2,420 on average in Michigan, Louisiana, and New York.
| 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 can save as much as $830 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $285 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $2,000 to $2,700 extra each year, depending on your age. Lexus SC 430 insurance for high-risk drivers ranges anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, so the prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus SC 430 | $214 | $308 | $402 | $1,060 |
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 More Affordable Lexus SC 430 Insurance
Getting lower rates on Lexus SC 430 insurance takes having a good driving record, maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around every couple of years by requesting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The next list is a summary of the material that was raised in the charts and tables above.
- Drivers who require increased levels of liability coverage will pay around $350 each year to raise limits from a low limit to 250/500 limits
- Drivers age 20 and younger pay the highest prices, with premiums as much as $496 a month for full coverage
- High-risk drivers who have multiple accidents or major violations will pay on average $1,970 more each year to buy Lexus SC 430 insurance
- Increasing physical damage 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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