Lexus SC 430 Insurance Rates
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UPDATED: Apr 5, 2024
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Average auto insurance rates for a Lexus SC 430 are $1,696 annually for full coverage. Comprehensive costs around $432, collision costs $812, and liability costs around $316. Buying just liability costs as low as $376 a year, with insurance for high-risk drivers costing around $3,670. Teens receive the highest rates at $5,956 a year or more.
Average premium for full coverage: $1,696
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all SC 430 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $376 for the bare minimum liability coverage to the much higher price of $3,670 for a high-risk driver policy.
Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have fewer accident claims than cities with more traffic congestion.
The example below illustrates how rural and urban location affects auto insurance rates.
These examples show why everyone should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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 Rate Information
The chart below shows estimated Lexus SC 430 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $944
- Using higher $1,000 deductibles will save about $282 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,696
- Selecting pricier low deductibles for physical damage coverage will cost $2,244
- High-risk insureds with serious driving violations could pay at least $3,670 or more
- The cost with full coverage for a 16-year-old driver for full coverage can be $5,956 or more
Auto insurance rates for a Lexus SC 430 can also vary considerably based on the trim level of your SC 430, your driver profile, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,600 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $5,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $2,000 to $2,700 in extra premium per year, depending on your age. Lexus SC 430 insurance for high-risk drivers can be from 45% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $830 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $285 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Lexus SC 430 insurance prices. A driver around age 40 might see rates as low as $1,120 a year in states like Idaho, Maine, and Iowa, or have to pay 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% |
With so much variability in rates, the only way to know your exact price is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, and quoted rates can be significantly different between companies.
| 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 Buy Affordable Lexus SC 430 Insurance
Saving money on insurance for a Lexus SC 430 requires being safe and accident-free, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around every time your policy renews by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
Below you'll find a brief review of the information raised in the charts and tables above.
- Drivers can save up to $210 per year simply by quoting online well ahead of the renewal date
- Youthful drivers are expensive to insure, costing as high as $496 per month if full coverage is included
- Increasing deductibles could save up to $825 each year
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,970 more every year than a low-risk driver
- Insureds who may need more liability protection will pay approximately $350 each year to increase from a minimum limit to higher 250/500 limits
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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