Scion tC Insurance Rates
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Michelle Robbins
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UPDATED: Jun 6, 2023
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The average insurance rates for a Scion tC are $1,068 a year for full coverage. Comprehensive insurance costs on average $126, collision costs $188, and liability insurance is $554. Liability-only insurance costs around $620 a year, with high-risk driver insurance costing $2,300 or more. Teen drivers cost the most to insure at $4,478 a year or more.
Average premium for full coverage: $1,068
Policy rates by type of insurance:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different tC trim levels.
Price Range Variability
For the average 40-year-old driver, Scion tC insurance rates go from the low end price of $620 for the bare minimum liability coverage to a much higher rate of $2,300 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas.
The price range example below illustrates the difference location can make on car insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than relying on price averages.
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.
Additional Rate Information
The chart below shows estimated Scion tC insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $661
- Raising to $1,000 deductibles will save around $72 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,068
- Choosing more expensive low deductibles will cost an additional $138 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,300 or more
- Policy cost that insures a teen driver with full coverage may cost $4,478
Auto insurance rates for a Scion tC also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,300 to $1,800 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 40% to 135% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $4,400 a year. View Rates by Age
Your home state also has a big influence on Scion tC insurance rates. A middle-age driver might find rates as low as $710 a year in states like Idaho, Maine, and Iowa, or 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% |
Choosing high deductibles can reduce rates by up to $210 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $498 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates will be varied.
| 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 Find Cheap Scion tC Insurance
Finding cheaper rates on Scion tC insurance consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at every other renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.
The following list is a brief summary of the concepts that were touched on in this article.
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,230 more each year than a safer driver
- Drivers age 16 to 20 are charged the highest rates, costing up to $373 each month if the policy includes full coverage
- Drivers can save as much as $110 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $200 each year
- Drivers can save as much as $110 per year simply by shopping early and online
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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