Lexus SC 430 Insurance Rates

U.S. average insurance prices for a Lexus SC 430 are $1,696 every 12 months with full coverage. Comprehensive insurance costs an estimated $432, collision insurance costs $812, and liability is estimated at $316. Buying just liability costs approximately $376 a year, and insurance for high-risk drivers costs $3,670 or more. Teen drivers pay the highest rates at up to $5,956 a year.

Average premium for full coverage: $1,696

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all SC 430 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than larger metro areas. The example below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why everyone should get quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

The chart below details average 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 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,696
• Choosing pricier low deductibles for comp and collision coverage costs an extra $548 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,670
• The price to insure a 16-year-old driver for full coverage can cost as much as $5,956 each year

Insurance prices for a Lexus SC 430 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Choosing high deductibles can save as much as $830 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $285 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,600 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared 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 may be forking out $2,000 to $2,700 additional each year, depending on your age. Lexus SC 430 insurance for high-risk drivers ranges from 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 $1,220 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,290 on average in New York, Michigan, and Florida.

How to Shop for Affordable Lexus SC 430 Insurance

Getting lower rates on insurance for a Lexus SC 430 takes avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief review of the material that was covered in the above illustrations.

• Insureds who want increased liability limits will pay about $350 every year to raise limits from a low limit to a 250/500 level
• Drivers under the age of 20 are expensive to insure, costing up to $496 a month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,970 more annually to insure a Lexus SC 430
• Increasing physical damage deductibles could save as much as $825 each year