Scion tC Insurance Rates
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Michelle Robbins
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Licensed Insurance Agent
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 costs around $126 a year, collision costs $188, and liability costs around $554. Liability-only insurance costs as low as $620 a year, with high-risk driver insurance costing around $2,300. 16-year-old drivers cost the most to insure at $4,478 a year or more.
Average premium for full coverage: $1,068
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and tC trim levels.
Price Range Variability
For the average driver, Scion tC insurance rates go from as low as $620 for liability-only coverage to a high of $2,300 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities.
The diagram below illustrates how location impacts auto insurance rates.
The examples above show why it is important to compare prices for a specific zip code and risk profile, instead of using rate 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 Charts and Tables
The chart below shows estimated Scion tC insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $661
- Using higher $1,000 deductibles will save about $996 a year
- The average rate for a good driver age 40 using $500 deductibles is $1,068
- Buying low $100 deductibles for physical damage coverage will increase the cost to $1,206
- Drivers with multiple tickets or accidents could pay at least $2,300 or more
- Policy cost for full coverage for a teen driver can be $4,478 or more
Auto insurance rates for a Scion tC also range considerably based on your risk profile, the trim level of your tC, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,400 a year. View Rates by Age
Your home state has a huge impact on Scion tC insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Idaho, Maine, and Iowa, or at least $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% |
Opting for high physical damage deductibles could cut rates by as much as $210 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $498 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,300 to $1,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 40% to 135% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to get quotes and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted 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 Cheaper Scion tC Insurance
Finding cheaper rates on car insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around at least once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following list is a condensed summary of the primary concepts that were touched on above.
- Drivers can save up to $110 per year simply by quoting early and online
- Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,230 more every year than a safer driver
- Increasing comprehensive and collision deductibles can save around $200 each year
- Drivers age 16 to 20 are expensive to insure, costing up to $373 each month if they have 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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