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 insurance. Comprehensive costs an estimated $126, collision costs $188, and liability insurance costs around $554. Buying just liability costs as low as $620 a year, with insurance for high-risk drivers costing around $2,300. Teenage drivers cost the most to insure at $4,478 a year or more.
Average premium for full coverage: $1,068
Policy rates broken down by type of insurance:
Rates are based on $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different tC trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Scion tC insurance rates go from as low as $620 for just liability insurance to a much higher rate of $2,300 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.
The price range example below illustrates how rural and urban location affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, 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 Details
The chart below illustrates estimated Scion tC insurance rates for other coverage scenarios.
- The best discount rate is $661
- Using higher $1,000 deductibles will save approximately $72 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,068
- Using more expensive low deductibles for physical damage coverage will increase the cost to $1,206
- Drivers who are prone to accidents and violations could pay up to $2,300 or more
- Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,478 or more
Insurance rates for a Scion tC also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age
Your home state has a huge impact on Scion tC insurance rates. A driver around age 40 might see rates as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,440 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles could cut rates by as much as $210 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $498 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can be anywhere from 40% to 135% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates will be varied from one company to the next.
| 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 the Best Cheap Scion tC Insurance
Finding cheaper rates on Scion tC insurance requires not taking risks behind the wheel, maintaining good credit, being claim-free, and taking advantage of discounts. Set aside time to shop around at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a quick review of the data raised in the charts and tables above.
- Drivers who want higher liability limits will pay an extra $610 annually to increase from a 30/60 limit to 250/500 limits
- It is possible to save approximately $110 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $200 each year
- Teens are charged the highest rates, possibly costing $373 each month for full coverage
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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