Toyota Scion Car Insurance Rates [Expert Review, Ratings, & Rates]
The average Toyota Scion car insurance rates are $207/mo or $2,484 annually, but your individual rates depend on a variety of factors including the age and trim level of your Toyota Scion, what state you live in, and your age and driving history. Before you buy Toyota Scion car insurance, compare quotes using our free comparison tool below and find your best policy today.
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UPDATED: Feb 5, 2021
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- The average Toyota Scion car insurance rates are $207 per month or $2,484 annually.
- There are a variety of factors, both good and bad, that can affect your Toyota Scion’s insurance rates, including the age and trim level of your model, the state you live in, your age, and your driving history.
- To secure cheap Toyota Scion car insurance rates, compare policies from multiple different companies before choosing a provider.
Are you trying to find affordable Toyota Scion car insurance quotes? The average Toyota Scion car insurance rates are $207 per month or $2,484 per year.
While this may seem very high to you, keep in mind that this number reflects the policies of every Scion driver, both good and bad, high risk, and low risk. It also tracks drivers with comprehensive coverage and drivers with liability car insurance coverage only.
If you are an experienced driver, you may easily find your car insurance rates for the Toyota Scion are as low as $1,100 a year for a used Toyota Scion and with a good driving record.
Read through our brief guide to learn exactly what goes into calculating your Toyota Scion car insurance premiums, including your Toyota Scion trim level and model year, your driving record, and what state you live in.
The best way to find the lowest price for insurance on your Toyota Scion is to shop around. Get free Toyota Scion car insurance quotes today by entering your ZIP code into our quote tool above.
What is the average cost of Toyota Scion car insurance?
What is a Scion? The Scion is a discontinued member of the Toyota brand introduced to consumers in 2003 in hopes of appealing to younger drivers. The Scions were marketed as a line of stylish, inexpensive, sporty vehicles and ended its run in 2016 after 13 production years.
Still commonly found on the roads and in used dealerships to this day, the average Toyota Scion costs $207 per month or $2,484 annually to insure.
However, many factors will influence your individual car insurance rates. In fact, no matter what type of vehicle you own, car insurance companies will take the following into consideration when calculating your quotes:
- The value of the vehicle
- The age of the driver
- The driver’s safety record and more
In addition to these factors, your insurance company will also take the type of Scion that you drive into consideration. For example, the Scion tC RS is a sportier car than the Scion xD, which means that it could cost more to insure the tC RS than the xD.
Are Scions expensive to insure? Not necessarily. Many people actually find that the Toyota Scion is quite affordable to insure, especially compared to other Toyota vehicles.
In the table below, see how much it costs to insure a Toyota Scion annually on average by company based on marital status, gender, and age.
Companies Average Annual Rates for a Married 60-Year-Old Female Average Annual Rates for a Married 60-Year-Old Male Average Annual Rates for a Married 35-Year-Old Female Average Annual Rates for a Married 35-Year-Old Male Average Annual Rates for a Single 25-Year-Old Female Average Annual Rates for a Single 25-Year-Old Male Average Annual Rates for a Single 17-Year-Old Female Average Annual Rates for a Single 17-Year-Old Male
USAA $1,449.85 $1,448.98 $1,551.43 $1,540.32 $1,988.52 $2,126.14 $4,807.54 $5,385.61
State Farm $1,873.89 $1,873.89 $2,081.72 $2,081.72 $2,335.96 $2,554.56 $5,953.88 $7,324.34
Progressive $1,991.49 $2,048.63 $2,296.90 $2,175.27 $2,697.73 $2,758.66 $8,689.95 $9,625.49
American Family $1,992.92 $2,014.38 $2,202.70 $2,224.31 $2,288.65 $2,694.72 $5,996.50 $8,130.50
Travelers $2,051.98 $2,074.41 $2,178.66 $2,199.51 $2,325.25 $2,491.21 $9,307.32 $12,850.91
Nationwide $2,130.26 $2,214.62 $2,360.49 $2,387.43 $2,686.48 $2,889.04 $5,756.37 $7,175.31
GEICO $2,240.60 $2,283.45 $2,302.89 $2,312.38 $2,378.89 $2,262.87 $5,653.55 $6,278.96
Farmers $2,336.80 $2,448.39 $2,556.98 $2,557.75 $2,946.80 $3,041.44 $8,521.97 $9,144.04
Allstate $2,913.37 $2,990.64 $3,156.09 $3,123.01 $3,424.87 $3,570.93 $9,282.19 $10,642.53
Liberty Mutual $3,445.00 $3,680.53 $3,802.77 $3,856.84 $3,959.67 $4,503.13 $11,621.01 $13,718.69
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As you can see, USAA, State Farm, and Progressive offer the most affordable Toyota Scion car insurance rates on average. However, only active or retired military personnel and their families are eligible to use USAA. Allstate and Liberty Mutual provide the highest average rates.
Younger drivers, especially those under the age of 25, should expect to pay higher than average prices for your Toyota Scion insurance costs.
How much does it cost to insure a Scion tC? The average cost of Toyota Scion car insurance is between $2,500 and $3,500, depending on considerations such as your ZIP code, driving record, and in some states even your credit score.
Ultimately, your best Toyota Scion car insurance company will provide you with competitive rates without compromising your coverage needs.
How does your driving record affect your Toyota Scion car insurance rates?
Your driving record will heavily influence your car insurance rates, regardless of if you drive a Toyota Scion or something else. Just one accident, DUI, or speeding ticket can have serious consequences when it comes to insurance rates.
Take a look at the following table to see just how much your rates can raise if you commit one of the following major traffic violations.
Companies Rates with Clean Record Rates with With 1 Accident Rates with With 1 DUI Rates with With 1 Speeding Violation
USAA $1,933.68 $2,516.24 $3,506.03 $2,193.25
GEICO $2,145.96 $3,192.77 $4,875.87 $2,645.43
American Family $2,693.61 $3,722.75 $4,330.24 $3,025.74
Nationwide $2,746.18 $3,396.95 $4,543.20 $3,113.68
State Farm $2,821.18 $3,396.01 $3,636.80 $3,186.01
Progressive $3,393.09 $4,777.04 $3,969.65 $4,002.28
Travelers $3,447.69 $4,289.74 $5,741.40 $4,260.80
Farmers $3,460.60 $4,518.73 $4,718.75 $4,079.01
Allstate $3,819.90 $4,987.68 $6,260.73 $4,483.51
Liberty Mutual $4,774.30 $6,204.78 $7,613.48 $5,701.26
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As you can see, your rates might increase by hundreds of dollars for just one minor incident. If you have multiple high-risk citations on your record, you might end up spending thousands more on car insurance than someone with a clean record.
Safe driving always pays off. Not only will you be safer on the roads, but your insurance rates will stay low.
After a few years of remaining claim-free, many providers will even reward your safe driving habits with a hefty car insurance safe driver discount.
How do age and gender affect your Toyota Scion car insurance rates?
Your age and gender can impact your car insurance rates, however, age is more important than gender. In fact, some states have actually banned insurance companies from using gender as a determining factor for your insurance costs.
Usually, men and teens pay the most for car insurance. But why is the cost of car insurance more expensive for boys than girls, and for teens than for older drivers?
When calculating rates, insurance providers look at national vehicle-accident statistics to help determine if you are a low or high-risk customer to insure.
Year after year, crash statistics prove that teenagers and male drivers are the most reckless on the roads.
According to data analyzed by the Centers for Disease Control and Prevention (CDC), car accidents are the second leading cause of teenage death in America. The CDC specifically sites teen driver inexperience as one of the reasons for the high crash rates.
Therefore, insurance providers charge teen drivers higher rates for insurance, to mitigate the extra risks they pose as drivers.
Because men cause more accidents and commit more traffic violations than women, if you live in a state where gender has not been banned and are a male, expect to pay 2 to 3 percent more on insurance for your Scion than your fellow female-drivers.
How does your ZIP code affect your Toyota Scion car insurance rates?
It might surprise you to learn that your ZIP code can heavily impact your Toyota Scion car insurance rates. But why is this?
According to the Insurance Information Institute (III), car insurance is legally required in almost every state, however, each state has different laws in place. Because the legal minimum limits vary from state to state, the rates you pay based on where you live can change drastically.
Find out what your state’s minimum car insurance requirements are by looking at the table below.
To help you better understand the abbreviations used in the data above, check out the table below for common definitions.
|Driving Record Infraction||21st Century Average Annual Rates||SafeAuto Average Annual Rates|
|At-fault Accident ($1K damage or less)||$2,440||$2,867|
|At-fault Accident ($1K damage or more)||$1,273||$2,837|
As you can see, some states only require liability insurance coverage to drive on the roads. However, in other states, it is necessary to purchase personal injury protection or medical payments coverage.
Depending on what level of coverage your state requires, your rates will look very different.
Your ZIP code can also impact your insurance rates based on how densely populated your neighborhood is, what the vehicle theft rates look like in your area, and based on how many vehicles are on the roads you regularly drive on.
If you live somewhere with heavy traffic and a dense population, you’re more likely to get into a car accident and file a claim. This can cause your rates to increase.
On the contrary, if you live in a rural region with low vehicle theft rates and fewer driers on the road, you’re less likely to file a claim and will likely receive lower car insurance quotes for your Toyota Scion.
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How can I save money on my Toyota Scion car insurance rates?
As with any car, you can save money on car insurance by shopping around and comparing rates from multiple different companies.
Whether you are looking for the Toyota Scion tC insurance costs or the Toyota Scion FR-S insurance costs, free quote tools are the easiest way to get multiple quotes in one location while saving time.
In addition to shopping around, you need to consider the safety features and anti-theft devices in your car.
The safer your car is, the less you will pay in insurance costs. In addition, if you have anti-theft devices on your Scion, then your insurance might cost less as well.
You should seek out any discounts that you qualify for from your insurance company. Every insurance company offers different discounts.
This is another reason why shopping around for your insurance can save you money. You might qualify for more discounts from a different provider, helping you save on car insurance.
Common discounts include a safe driver discount, a multi-car or multi-policy discount, good student discounts, and discounts for having various safety or anti-theft devices installed on your Toyota Scion, including adaptive cruise control or VIN etching.
If you purchase comprehensive or collision insurance, you can also save a lot of money on your car insurance by choosing a higher deductible for your Scion.
While most people choose $250 to $500, you can choose the $1,000 option and lower your rates by nearly half.
Naturally, you’ll want to have that money in the bank to cover any damages should you have an accident. Be careful not to increase your deductible too much, negating the benefits of the additional coverages.
Another way to save a lot of money on your Toyota Scion car insurance is to buy a used one instead of a new one.
Buying a used car will reduce the total value of the car and reduce the claim price if your vehicle is totaled in an accident or is stolen.
You don’t have to choose a piece of junk, just purchasing a vehicle with a couple of years on it can save you a few hundred dollars per year.
Is the Toyota Scion more expensive to insure than other vehicle brands?
Because the average monthly car insurance payment for a Scion is almost as much as it costs to insure a more expensive sports car, the bottom line is that some of the Scion models are more expensive than average to insure. However, at least one model is not.
The Toyota Scion tC, which is a 2007 model of the Scion, was actually one of the lower than average cost cars to insure in that year. In a list of 62 cars, the Scion tC was number 59 for most affordable cars.
Part of the reason why some of the Scion line is more expensive to insure than other vehicles in the same car class is that certain models didn’t get very high safety ratings as compared to some of the other Toyota vehicles on the market.
Naturally, the worse the safety rating of a vehicle make and model is, the higher the insurance premiums are going to be.
As mentioned above, if you add to that the value of the vehicle, the type of driver you are, and so on, you could end up with something far higher or far lower than the national average.
Why are some Toyota Scion models more expensive to insure than others?
The Scion line is diverse, featuring vehicles like the Scion iM, a four-door hatchback, and the FR-S, a sporty coupe. Each vehicle has diverse safety and crash test ratings, as well as different maintenance and repair costs. Therefore, some Scion makes are more ex[ensive to insure than others.
Is a Toyota Scion a sports car? It is an important question to ask, as sports car insurance is notoriously more expensive than basic sedans.
This is because insurance providers believe sports car owners buy faster cars so they can go fast. Drivers who drive fast tend to have more accidents and thus incur higher premiums.
The tC model is Scion’s two-door sports coupe. It has a larger and faster engine than the other Scion models, which makes it more appealing to sports car drivers.
The Scion tC miles per gallon leaves room for improvement, as this car only gets 23 city miles per gallon and 31 highway miles per gallon.
Is a Scion tC considered a sports car on insurance? No, this model is officially labeled as a 2-door hatchback by insurers. The FR-S is also a 2-door sporty coupe offered by Scion without the sports car insurance costs.
The Scion xD and xB have a different engine than the tC and FR-S. It was designed for smooth handling and fuel efficiency. The insurance costs for these Scions are often even lower than for the sporty models.
Over the years, the Scion value has remained steady and reliable. No matter your budget, there is a Scion out there that will fit your needs.
What are the Toyota Scion safety features and crash test ratings?
In the first few years of Scion’s existence, the vehicles did not do as well on safety tests as other cars in the same class, resulting in higher premiums.
Fortunately, the Toyota Scion safety ratings improved over the years, and eventually, both the Scion tC and xB were awarded as “Top Safety Picks” in both 2011 and 2015 by the Insurance Institute for Highway Safety (IIHS).
Scion also introduced the Star Safety System, which included enhanced safety features like traction control, stability control, and brake assist.
These improvements helped bring down insurance costs for Scions across the board.
Like safety ratings, insurance providers will also consider the Toyota Scion crash test ratings when determining your insurance costs. The better the crash test results, the better your insurance costs will be.
5-stars is the highest score given by the National Highway Traffic Safety Administration. Each Scion model performed differently in various crash tests, with the 2016 Toyota Scion FR-S and tC models receiving 5-star overall ratings, and the iQ receiving a 4-star overall rating.
Overall, the Toyota Scion seems to be a good car for someone looking for something affordable, with good gas mileage and a host of standard features. The standard features include all the basics for safety and new technology.
Some of these standards are as follows:
- iPod compatibility
- 26-37 mph city to highway mileage
- 300-watt Pioneer audio speakers
- Auto-dimming mirrors
- Remote engine start
- USB ports
The different Scion models also offer a list of accessories such as XM Radio, and the Scion Navigation system model 200. The cost of these vehicles ranges between $17,000 and $20,000 at the base price, including standard features.
You can add other accessories as well, such as TRD wheel locks, rear-seat entertainment, paint, and rear bumper protection package, and a sports steering wheel option.
The iQ is the newest addition to the Scion model list and is also the most compact. This is the Scion model that gets up to 37 miles to one gallon of gas. There was a Scion xA model that supposedly offered 38 miles to the gallon, but that model was discontinued around 2007.
Is a Scion tC a reliable car? Overall, J.D. Power ranks the Scion tC at 79 out of 100 for reliability, which is pretty good.
It always helps to shop around, whether you’re looking for Scion xD or xB insurance rates. Getting multiple Scion insurance company quotes can help you find your lowest prices.
Before you buy Toyota Scion car insurance, use an online quote tool to easily and reliably shop around for your best Scion insurance rates. You can get free Toyota Scion car insurance quotes right now from major insurers near you by entering your ZIP code into our tool below.
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