Scion tC Insurance Rates

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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:

Comprehensive $126
Collision $188
Liability $554

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.

Liability Only $620
Full Coverage $1,068
High Risk $2,300

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.

Rural Areas $801
Small Cities $1,121
Large Cities $1,442

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.

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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

View Chart as Image

Scion tC insurance cost comparison chart
Column chart showing full coverage Scion tC insurance rates range from $661 to $4,478

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.

Scion tC Insurance Rates by State
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%

View Chart as Image

Scion tC insurance rates by U.S. city

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.

Scion tC Insurance Rates by Model Year
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

Rates by Driver Age

Scion tC Insurance 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

Scion tC Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,206
$250 $1,144
$500 $1,068
$1,000 $996

Full coverage, driver age 40

Rates by Liability Limit

Scion tC Insurance Rates with Different Liability Limits
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

Scion tC Insurance 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.

SR-22 Surcharge $143

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
Rate after discounts $661

Discounts are estimated and may not be available from every company or in every state.

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