Lexus SC Car Insurance: How Much Should You Expect to Pay?

Looking at average rates, Lexus SC owners usually pay around $88 monthly for insurance. Check out our latest guide to find out how much car insurance carriers might charge you to insure your Lexus SC.

Quick Facts

  • A Lexus SC costs less than most other cars to insure.
  • Liability auto insurance for a SC runs about $71 a month, while full coverage typically comes in at around $149.
  • Jupiter is the lowest car insurance carrier for a SC with a national average of just $23 per month for liability only coverage.

SC Overview

The Lexus SC is a high-end car for drivers with extra room in their budgets, with base prices starting at $68,405 for 2010 models.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that Lexus SC car insurance premiums are about $88 a month, on average. How do insurance rates for the SC compare to prices of other similar cars?

Current Base Price$68,405
Body Style(s)Car
Trim Levels430
Average Insurance Premium$88/mo.
Cheapest Insurance CompanyJupiter

How Much is Car Insurance for a Lexus SC?

Vehicle Liability Only Full Coverage
Lexus SC$71$149
All Lexus Models$79$173
All Cars$83$177
Average Insurance Premium$81$169

You can see in the table above that Lexus SC insurance premiums are cheaper than average. On average, SC drivers can expect to pay around $149 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $71 per month for liability only insurance (discover more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other models, the SC is less expensive, with prices more than 10% lower than the other vehicle types offered by Lexus. Likewise, coverage for the SC is lower than average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive rates than other cars.

When compared to all vehicles, regardless of make, body style, or model, the SC follows a similar pattern of having below average auto insurance prices.

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Who has the Cheapest Car Insurance for a Lexus SC?

Insurance Company Average Monthly Premium
Jupiter$23
Arrowhead$28
Coverhound$31
MetroMile$32
StateAuto$34

Browsing for an auto insurance policy for your Lexus SC? You might want to know which company offers the most affordable prices. Even though premiums can differ pretty significantly depending on your driver profile, the most affordable average rates for liability only insurance are as little as $23 monthly from Jupiter. The next cheapest carrier is Arrowhead, who offers car insurance as low as just $28 a month.

Rounding out the list are Coverhound, MetroMile, and StateAuto. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance carriers take a wide array of variables into consideration when calculating monthly prices. By reviewing quotes from numerous auto insurance companies at once, you can guarantee you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Lexus SC?

There are lots of variables that insurance carriers use to choose how much they charge you for car insurance -- and every company uses a different method, so there's not a single carrier that's the cheapest for each SC owner.

The sections below show a range of things insurance companies use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 YearNo Recent Models
2-3 YearsNo Recent Models
4-5 YearsNo Recent Models
6-7 Years$36
8-10 Years$57
11-14 Years$49
15 Years or Older$76

The Lexus SC has been around for a while, so vehicle age will likely make a difference in what you end up paying for auto insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and SCs continue to depreciate, insurance costs will gradually go lower.

A new Lexus SC model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Lexus SCs to insure are those that are 15 years old or more, while the cheapest models are SCs that are 6 to 7 years old, on average.

Your Age

Age Average Monthly Premium

Age makes a significant difference in how much you pay for insurance. In the table above, you'll see that drivers with more experience on the road pay less than young drivers. Lexus SC drivers between 18 and 24 actually pay $44 more than those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group for SC drivers being 65 years and older.

Your Gender

Gender Average Monthly Premium
Male$78
Female$59

Because women are less likely to get into accidents and get tickets, they have a lower chance of filing a claim with insurance. So, women tend to pay less for car insurance than men. When it comes to SC drivers specifically, women pay about $19 less than men per month for auto insurance.

Where You Live

State Average Monthly Premium
California$58
Florida$146
Georgia$90
Illinois$38
New York$156
North Carolina$105
Ohio$38
Pennsylvania$69
Texas$63
Virginia$50

It may seem like common sense that factors such as what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live is equally important? Since car insurance is regulated on the state level rather than nationally, prices can vary quite a bit depending on what state you live in.

For example, the average Lexus SC driver from New York pays around $156 a month for liability coverage. Meanwhile, the same Californian owner will pay less than 50% of that price, on average. The chart above shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change from state to state.

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Lexus SC Car Insurance Discounts

Regardless of your home state, your car, or your age, using as many discounts as possible when it comes to your auto insurance policy is always the smart move.

Even though all insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

  • Multi-policy discounts for getting both your home and auto policies from the same insurance company
  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
  • Pay-in-full discounts for agreeing to pay your entire policy premium at once, rather than by monthly payments
  • Multi-car discounts for insuring more than one of your vehicles with the same carrier

While taking advantage of discounts is always a smart way to save money on your auto insurance, sometimes, it's actually your insurance profile and driving history that get you the most affordable rates.

While you can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), you can control some of it. Below are just a few of the variables you can use to your favor when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$96
Multiple Accidents$111
1 Ticket$92
Multiple Tickets$108

You've probably heard ads from insurance companies offering hefty savings for safe drivers. And you probably wouldn't be surprised that your auto insurance prices will go higher if you get into a collision or get tickets for speeding. But you're probably wondering exactly how much these infractions will cost you.

As you can see from the table above, accidents will usually cost SC drivers more than tickets, but both will result in higher than average rates. Lexus SC drivers with one ticket will pay an average of $92 monthly, while drivers with a single accident on their record pay about $96 a month (up $25 from the $71/mo. overall average). The rates only get higher the more collisions you have or tickets you get.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$58
2,501-5,000 Miles$75
5,001-7,500 Miles$62
7,501-10,000 Miles$75
10,000+ Miles$71

The amount of miles you drive annually affects your car insurance rates. Those who are on the roads less often have fewer opportunities to get into an accident, so they'll normally be offered less expensive premiums. Above, you can see that Lexus SC owners who drive fewer than 2,500 miles each year pay about $58 per month for auto insurance, while those who put 10,000 miles or more on their cars pay $71.

But if you don't drive much because you work from home or have a second vehicle, you might consider a usage-based or pay-per-mile insurance policy. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Lexus SCs Compare to Other Vehicles?

If you're considering making a Lexus SC your next car, you might be wondering how it compares to other vehicles. Car insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth considering carefully.

Review the table below to see how the Lexus SC compares:

Lexus SC National Average
Liability Insurance$27$81
Full Coverage Insurance$195$169
Base MSRP$68,405$29,720
Average Annual Mileage10,61411,617

Overall, the Lexus SC is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. The SC has an MSRP of $68,405, a bit more expensive than the national average vehicle price of $29,720. And since it's been awhile since a new SC model has been on the market, used prices will be even lower.

Full coverage insurance for a Lexus SC is about $26 per month more than average, while liability only coverage is a month.

When it comes to usage, Lexus SC drivers are far from the national average in annual miles driven, with 10,614 miles every year compared to 11,617 for all vehicles.

Lexus SC Car Insurance Costs by Model Year

Thus far, you've seen how different things affect how much the average driver pays for car insurance. But if you're in thinking about buying a new car, truck, or SUV and the SC is on your wishlist, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your options.

2010 Lexus SC Car Insurance

   
Liability Only Avg. Premium$27
Full Coverage Avg. Premium$195
Base MSRP$68,405
Cheapest Insurance CompanySafeAuto - $27/mo.
Available Trims430

2010 SC drivers can expect to pay an average of $27 per month for liability or $195 for full coverage.

We found SafeAuto offered the most affordable policy, with rates as low as $27 monthly.

If you want to find the best rates for auto insurance for a 2010 Lexus SC, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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2009 Lexus SC Car Insurance

   
Liability Only Avg. Premium$45
Full Coverage Avg. Premium$187
Base MSRP$66,805
Cheapest Insurance CompanyGood2Go - $45/mo.
Available Trims430

On average, drivers who own a 2009 Lexus SC can expect to pay $45 to $187 per month for liability only and full coverage car insurance, respectively.

Good2Go offered the cheapest policy we found, with rates as cheap as $245/mo monthly.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2008 Lexus SC Car Insurance

   
Liability Only Avg. Premium$46
Full Coverage Avg. Premium$101
Base MSRP$66,355
Cheapest Insurance CompanyStateAuto - $31/mo.
Available Trims430

You can expect full coverage for a 2008 SC to run around $101 a month, while liability only coverage will average about $46 per month.

StateAuto has premiums as little as just $31 a month for the 2008 Lexus SC.

Want to know just how much you'll pay? Enter your ZIP code below to get lots of free personalized quotes.

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2007 Lexus SC Car Insurance

   
Liability Only Avg. Premium$54
Full Coverage Avg. Premium$121
Base MSRP$65,455
Cheapest Insurance CompanyMercury - $27/mo.
Available Trims430

The average cost to insure a 2007 Lexus SC with liability only coverage is $54 monthly, while full coverage runs around $121 per month.

With rates as cheap as just $27 monthly, Mercury offered the most affordable policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2006 Lexus SC Car Insurance

   
Liability Only Avg. Premium$64
Full Coverage Avg. Premium$130
Base MSRP$65,355
Cheapest Insurance CompanySafeco - $21/mo.
Available Trims430

It costs about $64 a month for liability or $130 for a full coverage policy for the 2006 SC.

If you're looking for the most affordable 2006 Lexus SC insurance policy, Safeco offered the lowest policy we found, with rates sometimes as little as $21 monthly.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get several free customized quotes.

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2005 Lexus SC Car Insurance

   
Liability Only Avg. Premium$53
Full Coverage Avg. Premium$114
Base MSRP$63,575
Cheapest Insurance CompanyMercury - $18/mo.
Available Trims430

The average cost to insure a 2005 Lexus SC with liability only coverage is $53 per month, while full coverage runs around $114 a month.

Looking for the cheapest policy? Mercury offered liability only coverage for sometimes as low as $18 monthly.

If you want to know exactly how much you can expect to pay for your SC, just enter your ZIP code below and get free quotes in minutes.

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2004 Lexus SC Car Insurance

   
Liability Only Avg. Premium$45
Full Coverage Avg. Premium$164
Base MSRP$62,875
Cheapest Insurance CompanyElephant - $18/mo.
Available Trims430

2004 SC drivers can expect to pay an average of $45 per month for liability or $164 for full coverage.

With prices sometimes as cheap as $18 a month, Elephant offered the lowest policy we found for the 2004 Lexus SC.

What could your auto insurance price look like? Get multiple free personalized quotes by just entering your ZIP code below.

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2003 Lexus SC Car Insurance

   
Liability Only Avg. Premium$58
Full Coverage Avg. Premium$149
Base MSRP$62,025
Cheapest Insurance CompanyElephant - $20/mo.
Available Trims430

You can expect full coverage for a 2003 Lexus SC to run about $149 monthly, while liability only coverage will average around $58 a month.

We found Elephant offered the most affordable policy, with rates sometimes as little as $20 per month.

If you want to know exactly how much you can expect to pay for your SC, just enter your ZIP code below and get several free quotes in minutes.

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2002 Lexus SC Car Insurance

   
Liability Only Avg. Premium$47
Full Coverage Avg. Premium$116
Base MSRP$58,455
Cheapest Insurance CompanyMercury - $18/mo.
Available Trims430

On average, drivers who own a 2002 SC can expect to pay $47 to $116 monthly for liability only and full coverage insurance, respectively.

With premiums sometimes as low as $18 a month, Mercury offered the cheapest policy we found for the 2002 Lexus SC.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2000 Lexus SC Car Insurance

   
Liability Only Avg. Premium$110
Full Coverage Avg. Premium$134
Base MSRP$43,805
Cheapest Insurance CompanyTwentyFirstCentury - $30/mo.
Available Trims300, 400

It costs about $110 per month for liability or $134 for a full coverage policy for the 2000 Lexus SC.

Looking for the most affordable policy? TwentyFirstCentury offered liability only coverage for as cheap as just $30 a month.

Want to find the lowest rates? Enter your ZIP code below to get a variety of customized quotes for free.

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1999 Lexus SC Car Insurance

   
Liability Only Avg. Premium$53
Full Coverage Avg. Premium$158
Base MSRP$42,905
Cheapest Insurance CompanyMapfre - $25/mo.
Available Trims300, 400

The average cost to insure a 1999 SC with liability only coverage is $53 monthly, while full coverage runs around $158 per month.

If you're looking for the lowest possible 1999 Lexus SC insurance policy, Mapfre offered the most affordable policy we found, with rates as cheap as $25 monthly.

If you want to find the best prices for car insurance for a 1999 Lexus SC, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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1998 Lexus SC Car Insurance

   
Liability Only Avg. Premium$85
Full Coverage Avg. Premium$162
Base MSRP$40,900
Cheapest Insurance CompanyElephant - $33/mo.
Available Trims300, 400

It costs about $85 a month for liability or $162 for a full coverage policy for the 1998 Lexus SC.

Elephant offered the cheapest policy we found, with rates as low as just $33 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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Lexus SC Insurance FAQs

Is a Lexus SC expensive to insure?

Liability insurance runs an average of $71 a month, while full coverage will cost you around $149. Compared to the national average of all cars, rates come in on the more affordable end of the spectrum.

How can I get the best price on car insurance for my Lexus SC?

There's only one way to guarantee you're getting the lowest rates -- regularly shopping around and comparing quotes from a whole bunch of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole range of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Lexus SC affect my insurance rates?

You might have heard that it costs more to insure red cars than silver or white ones, but that's actually not true. While there are several factors auto insurance carriers examine when they calculate your prices, your SC's color is not one of them.

Do I need to have insurance before I buy a Lexus SC?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid car insurance for it. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new car is to talk with your insurance carrier before you buy.

What car insurance discounts can I get for my Lexus SC?

You will find a whole range of different discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your SC has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to be certain is to get in touch with your insurance company and ask about which discounts they offer.

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