Scion tC Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance prices for a Scion tC are $1,088 every 12 months including full coverage. Comprehensive insurance costs around $132 each year, collision costs $198, and liability costs around $558. Liability-only coverage costs as low as $624 a year, with high-risk coverage costing $2,346 or more. Teen drivers cost the most to insure at $4,552 a year or more.
Average premium for full coverage: $1,088
Policy rates for type of insurance:
Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and tC models.
Price Range Variability
For an average driver, Scion tC insurance rates go from the cheapest price of $624 for just liability insurance to a high rate of $2,346 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas.
The graphic below illustrates the effect of geographic area on auto insurance rates.
The examples above highlight why all drivers should compare prices for a specific zip code and their own driving history, instead of using 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.
More Rate Details
The chart below breaks down estimated Scion tC insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $671
- Using higher $1,000 deductibles will save about $76 every year
- The average price for a good driver age 40 using $500 deductibles is $1,088
- Choosing low deductibles for physical damage coverage costs an extra $144 every year
- Drivers with multiple violations and an at-fault accident could pay at least $2,346 or more
- Policy cost to insure a teen driver can be $4,552 or more
Insurance rates for a Scion tC also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Choosing high deductibles could cut rates by as much as $220 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $502 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,300 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 133% more than average. View High Risk Driver Rates
Your home state has a huge impact on Scion tC insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,550 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $982 | -$106 | -9.7% |
| Alaska | $832 | -$256 | -23.5% |
| Arizona | $900 | -$188 | -17.3% |
| Arkansas | $1,088 | -$0 | 0.0% |
| California | $1,238 | $150 | 13.8% |
| Colorado | $1,040 | -$48 | -4.4% |
| Connecticut | $1,116 | $28 | 2.6% |
| Delaware | $1,230 | $142 | 13.1% |
| Florida | $1,358 | $270 | 24.8% |
| Georgia | $1,004 | -$84 | -7.7% |
| Hawaii | $780 | -$308 | -28.3% |
| Idaho | $736 | -$352 | -32.4% |
| Illinois | $810 | -$278 | -25.6% |
| Indiana | $820 | -$268 | -24.6% |
| Iowa | $736 | -$352 | -32.4% |
| Kansas | $1,030 | -$58 | -5.3% |
| Kentucky | $1,482 | $394 | 36.2% |
| Louisiana | $1,608 | $520 | 47.8% |
| Maine | $670 | -$418 | -38.4% |
| Maryland | $896 | -$192 | -17.6% |
| Massachusetts | $866 | -$222 | -20.4% |
| Michigan | $1,886 | $798 | 73.3% |
| Minnesota | $910 | -$178 | -16.4% |
| Mississippi | $1,302 | $214 | 19.7% |
| Missouri | $964 | -$124 | -11.4% |
| Montana | $1,170 | $82 | 7.5% |
| Nebraska | $856 | -$232 | -21.3% |
| Nevada | $1,304 | $216 | 19.9% |
| New Hampshire | $780 | -$308 | -28.3% |
| New Jersey | $1,214 | $126 | 11.6% |
| New Mexico | $962 | -$126 | -11.6% |
| New York | $1,142 | $54 | 5.0% |
| North Carolina | $626 | -$462 | -42.5% |
| North Dakota | $892 | -$196 | -18.0% |
| Ohio | $750 | -$338 | -31.1% |
| Oklahoma | $1,116 | $28 | 2.6% |
| Oregon | $996 | -$92 | -8.5% |
| Pennsylvania | $1,038 | -$50 | -4.6% |
| Rhode Island | $1,450 | $362 | 33.3% |
| South Carolina | $984 | -$104 | -9.6% |
| South Dakota | $918 | -$170 | -15.6% |
| Tennessee | $950 | -$138 | -12.7% |
| Texas | $1,308 | $220 | 20.2% |
| Utah | $806 | -$282 | -25.9% |
| Vermont | $744 | -$344 | -31.6% |
| Virginia | $648 | -$440 | -40.4% |
| Washington | $842 | -$246 | -22.6% |
| West Virginia | $996 | -$92 | -8.5% |
| Wisconsin | $752 | -$336 | -30.9% |
| Wyoming | $968 | -$120 | -11.0% |
Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Scion tC | $198 | $382 | $580 | $1,360 |
| 2014 Scion tC | $194 | $356 | $592 | $1,342 |
| 2011 Scion tC | $162 | $274 | $592 | $1,228 |
| 2009 Scion tC | $148 | $224 | $586 | $1,158 |
| 2008 Scion tC | $146 | $218 | $574 | $1,138 |
| 2007 Scion tC | $144 | $208 | $564 | $1,116 |
| 2006 Scion tC | $132 | $198 | $558 | $1,088 |
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 Shop for Cheaper Scion tC Insurance
Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates once a year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The items below are a condensed summary of the data that was covered in the above illustrations.
- You may be able to save up to $120 per year simply by quoting online in advance
- Policyholders who may need more liability coverage will pay about $610 per year to increase from a 30/60 limit to a 250/500 level
- Teen drivers are charged the highest rates, with premiums being up to $379 each month if full coverage is included
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,260 more every year to insure their tC
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,552 |
| 20 | $2,516 |
| 30 | $1,094 |
| 40 | $1,088 |
| 50 | $1,000 |
| 60 | $980 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,232 |
| $250 | $1,166 |
| $500 | $1,088 |
| $1,000 | $1,012 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,088 |
| 50/100 | $1,200 |
| 100/300 | $1,339 |
| 250/500 | $1,702 |
| 100 CSL | $1,255 |
| 300 CSL | $1,562 |
| 500 CSL | $1,786 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,384 |
| 20 | $4,006 |
| 30 | $2,356 |
| 40 | $2,346 |
| 50 | $2,250 |
| 60 | $2,224 |
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 | $53 |
| Multi-vehicle | $60 |
| Homeowner | $20 |
| 5-yr Accident Free | $63 |
| 5-yr Claim Free | $67 |
| Paid in Full/EFT | $37 |
| Advance Quote | $46 |
| Online Quote | $71 |
| Total Discounts | $417 |
Discounts are estimated and may not be available from every company or in every state.
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