Lexus SC 430 Insurance Rates
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UPDATED: Apr 5, 2024
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U.S. average insurance prices for a Lexus SC 430 are $1,696 every 12 months for full coverage. Comprehensive costs an estimated $432 each year, collision costs $812, and liability is estimated at $316. Liability-only coverage costs approximately $376 a year, with high-risk coverage costing around $3,670. Teen drivers pay the highest rates at $5,956 a year or more.
Average premium for full coverage: $1,696
Price estimates broken down by individual coverage:
Estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and 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 the cheapest price of $376 for basic liability insurance to a high rate of $3,670 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city can have significant affects on insurance rates. More rural locations have more infrequent accident claims than larger metro areas.
The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above show why all drivers should get quotes for a targeted area and their own driving history, instead of using price 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.
Rate Comparisons
The chart below shows estimated Lexus SC 430 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $944
- Choosing higher $1,000 deductibles can save approximately $282 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,696
- Choosing low deductibles for comp and collision coverage increases the price to $2,244
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,670 or more
- The price to insure a teen driver can cost as much as $5,956 each year
Auto insurance prices for a Lexus SC 430 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing high deductibles can save as much as $830 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $285 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,600 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $5,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $2,000 to $2,700 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges as much as 45% to 132% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Lexus SC 430 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Iowa, Maine, and Idaho, or as much as $2,420 on average in New York, Louisiana, and Michigan.
| 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% |
Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Lexus SC 430 | $228 | $340 | $402 | $1,106 |
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 Shop for Low Cost Lexus SC 430 Insurance
Getting lower rates on car insurance takes having a good driving record, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a review of the coverage data raised in the charts and tables above.
- Drivers can save approximately $210 per year simply by quoting online in advance
- Increasing physical damage deductibles could save as much as $825 each year
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $496 a month if comprehensive and collision insurance is included
- Higher risk drivers who have several accidents or serious violations pay on average $1,970 more annually to buy Lexus SC 430 insurance
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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