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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The average auto insurance rates for a Scion tC are $1,068 annually with full coverage. Comprehensive insurance costs an estimated $126, collision insurance costs $188, and liability coverage costs around $554. Buying just liability costs as low as $620 a year, and insurance for high-risk drivers costs $2,300 or more. Teens cost the most to insure at up to $4,478 a year.
Average premium for full coverage: $1,068
Policy rates broken down by type of insurance:
Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different tC trim levels.
Price Range Variability
Using a middle-aged driver as an example, Scion tC insurance rates range from as cheap as $620 for just the minimum liability insurance to a much higher rate of $2,300 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using averaged prices.
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 Analysis
The chart below details average Scion tC insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $661
- Using higher $1,000 deductibles will save approximately $72 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,068
- Selecting more expensive low deductibles for physical damage coverage costs an additional $138 each year
- Higher-risk drivers with serious driving violations could pay up to $2,300
- Policy cost with full coverage for a teenage driver with full coverage can cost as much as $4,478 or more
Insurance rates for a Scion tC also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can be around 40% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $210 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $498 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Scion tC insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,440 on average in New York, Michigan, and Florida.
| 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% |
| 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 the Right Scion tC Insurance
Finding cheaper rates on auto insurance requires being a safe and courteous driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a quick rundown of the primary concepts that were touched on in the above illustrations.
- You may be able to save approximately $110 per year just by shopping early and online
- Drivers with reckless driving or DUI convictions pay on average $1,230 more annually for auto insurance
- Increasing comprehensive and collision deductibles could save up to $200 each year
- Teenage drivers are charged the highest rates, as much as $373 each month including comprehensive and collision insurance
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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