Scion tC Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 6, 2023
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Average auto insurance rates for a Scion tC are $1,068 annually for full coverage. Comprehensive insurance costs on average $126 each year, collision costs $188, and liability insurance costs around $554. Liability-only coverage costs as low as $620 a year, with high-risk coverage costing $2,300 or more. Teenage drivers receive the highest rates at $4,478 a year or more.
Average premium for full coverage: $1,068
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and tC models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $620 for your basic liability-only policy to a high rate of $2,300 for coverage for higher-risk drivers.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities.
The graphic below illustrates how rural and urban location affects car insurance rates.
These examples show why all drivers should compare prices based on a specific location and their own personal driving habits, rather than relying on average rates.
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.
More Rate Information
The chart below shows estimated Scion tC insurance rates for different risk profiles and scenarios.
- The best discount rate is $661
- Using higher $1,000 deductibles will save around $72 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,068
- Using low deductibles for physical damage coverage costs an additional $138 a year
- Drivers who are prone to accidents and violations could pay upwards of $2,300 or more
- The cost with full coverage for a teen driver may cost $4,478 or more
Car insurance rates for a Scion tC can also vary considerably based on the trim level of your tC, your driver profile, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $4,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,300 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 40% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $210 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $498 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Scion tC insurance rates. A driver around age 40 might see rates as low as $710 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,520 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $964 | -$104 | -9.7% |
| Alaska | $816 | -$252 | -23.6% |
| Arizona | $882 | -$186 | -17.4% |
| Arkansas | $1,068 | -$0 | 0.0% |
| California | $1,214 | $146 | 13.7% |
| Colorado | $1,018 | -$50 | -4.7% |
| Connecticut | $1,096 | $28 | 2.6% |
| Delaware | $1,208 | $140 | 13.1% |
| Florida | $1,334 | $266 | 24.9% |
| Georgia | $982 | -$86 | -8.1% |
| Hawaii | $766 | -$302 | -28.3% |
| Idaho | $724 | -$344 | -32.2% |
| Illinois | $794 | -$274 | -25.7% |
| Indiana | $804 | -$264 | -24.7% |
| Iowa | $724 | -$344 | -32.2% |
| Kansas | $1,012 | -$56 | -5.2% |
| Kentucky | $1,452 | $384 | 36.0% |
| Louisiana | $1,578 | $510 | 47.8% |
| Maine | $660 | -$408 | -38.2% |
| Maryland | $880 | -$188 | -17.6% |
| Massachusetts | $852 | -$216 | -20.2% |
| Michigan | $1,850 | $782 | 73.2% |
| Minnesota | $892 | -$176 | -16.5% |
| Mississippi | $1,278 | $210 | 19.7% |
| Missouri | $946 | -$122 | -11.4% |
| Montana | $1,146 | $78 | 7.3% |
| Nebraska | $840 | -$228 | -21.3% |
| Nevada | $1,280 | $212 | 19.9% |
| New Hampshire | $768 | -$300 | -28.1% |
| New Jersey | $1,192 | $124 | 11.6% |
| New Mexico | $944 | -$124 | -11.6% |
| New York | $1,122 | $54 | 5.1% |
| North Carolina | $612 | -$456 | -42.7% |
| North Dakota | $874 | -$194 | -18.2% |
| Ohio | $738 | -$330 | -30.9% |
| Oklahoma | $1,096 | $28 | 2.6% |
| Oregon | $976 | -$92 | -8.6% |
| Pennsylvania | $1,018 | -$50 | -4.7% |
| Rhode Island | $1,424 | $356 | 33.3% |
| South Carolina | $964 | -$104 | -9.7% |
| South Dakota | $898 | -$170 | -15.9% |
| Tennessee | $932 | -$136 | -12.7% |
| Texas | $1,284 | $216 | 20.2% |
| Utah | $792 | -$276 | -25.8% |
| Vermont | $728 | -$340 | -31.8% |
| Virginia | $638 | -$430 | -40.3% |
| Washington | $824 | -$244 | -22.8% |
| West Virginia | $978 | -$90 | -8.4% |
| Wisconsin | $738 | -$330 | -30.9% |
| Wyoming | $950 | -$118 | -11.0% |
With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Scion tC | $194 | $356 | $592 | $1,342 |
| 2014 Scion tC | $180 | $330 | $592 | $1,302 |
| 2011 Scion tC | $152 | $250 | $592 | $1,194 |
| 2009 Scion tC | $146 | $218 | $574 | $1,138 |
| 2008 Scion tC | $144 | $208 | $564 | $1,116 |
| 2007 Scion tC | $132 | $198 | $558 | $1,088 |
| 2006 Scion tC | $126 | $188 | $554 | $1,068 |
Rates are averaged for all Scion tC 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 Scion tC Insurance
Saving money on Scion tC insurance requires avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around at least once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The points below are a brief review of the primary concepts that were raised in the charts and tables above.
- Drivers can save as much as $110 per year simply by quoting online in advance
- High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,230 more each year to insure a Scion tC
- Increasing deductibles could save up to $200 each year
- Drivers under the age of 20 are expensive to insure, costing as high as $373 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,478 |
| 20 | $2,466 |
| 30 | $1,072 |
| 40 | $1,068 |
| 50 | $982 |
| 60 | $960 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,206 |
| $250 | $1,144 |
| $500 | $1,068 |
| $1,000 | $996 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,068 |
| 50/100 | $1,179 |
| 100/300 | $1,317 |
| 250/500 | $1,677 |
| 100 CSL | $1,234 |
| 300 CSL | $1,539 |
| 500 CSL | $1,761 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,278 |
| 20 | $3,928 |
| 30 | $2,308 |
| 40 | $2,300 |
| 50 | $2,206 |
| 60 | $2,180 |
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 | $52 |
| Multi-vehicle | $59 |
| Homeowner | $20 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $35 |
| Advance Quote | $45 |
| Online Quote | $69 |
| Total Discounts | $407 |
Discounts are estimated and may not be available from every company or in every state.
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