Lexus SC 430 Insurance Rates

Average insurance prices for a Lexus SC 430 are $1,696 every 12 months including full coverage. Comprehensive costs approximately $432 each year, collision insurance costs $812, and liability insurance costs around $316. A policy with just liability insurance costs as low as $376 a year, and coverage for high-risk drivers costs around $3,670. 16-year-old drivers receive the highest rates at up to $5,956 a year.

Average premium for full coverage: $1,696

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and SC 430 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance prices.

These examples highlight why all drivers should compare prices using their specific location and their own driving history, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below breaks down average Lexus SC 430 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $944
• Using higher $1,000 deductibles will save $282 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,696
• Buying low deductibles for physical damage coverage increases the price to $2,244
• Drivers with multiple tickets or accidents could pay around $3,670
• The cost to insure a teen driver can cost $5,956 or more

Insurance rates for a Lexus SC 430 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your SC 430.

Opting for high physical damage deductibles could cut rates by as much as $830 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $285 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,600 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $2,000 to $2,700 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 132% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Lexus SC 430 insurance rates. A driver around age 40 might see rates as low as $1,300 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,420 on average in Louisiana, New York, and Michigan.

How to Shop for Low Cost Lexus SC 430 Insurance

Saving money on Lexus SC 430 insurance requires having a decent driving record, having above-average credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The following items are a review of the coverage data touched on in this article.

• You may be able to save around $210 per year just by quoting online in advance
• Increasing deductibles could save as much as $825 each year
• 16 to 18-year-old drivers are the costliest to insure, as much as $496 per month if full coverage is included
• High-risk drivers who have several accidents or serious violations could be charged and average of $1,970 more per year than a driver with a clean driving record