Scion tC Insurance Rates
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UPDATED: Jun 6, 2023
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The average auto insurance rates for a Scion tC are $1,088 annually for full coverage insurance. Comprehensive costs approximately $132 a year, collision costs $198, and liability costs $558. Liability-only coverage costs as little as $624 a year, with high-risk coverage costing around $2,346. 16-year-old drivers cost the most to insure at $4,552 a year or more.
Average premium for full coverage: $1,088
Policy rates by type of insurance:
Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and tC trim levels.
Price Range Variability
For a 40-year-old driver, Scion tC insurance rates go from as cheap as $624 for minimum levels of liability insurance to a high of $2,346 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than congested cities.
The diagram below illustrates how your location can change auto insurance prices.
The examples above illustrate why it is important to compare rates using their specific location and their own personal driving habits, instead of making a decision based on 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 Rate Details
The chart below illustrates estimated Scion tC insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $671
- Drivers who choose higher $1,000 deductibles will pay $1,012 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,088
- Buying low $100 deductibles for comprehensive and collision insurance will cost $1,232
- Drivers with multiple tickets or accidents could pay around $2,346 or more
- Policy cost with full coverage for a 16-year-old driver can cost $4,552 a year
Insurance rates for a Scion tC also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $220 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $502 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Scion tC insurance prices. A 40-year-old driver could pay as low as $710 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,470 on average in Florida, New York, and Michigan.
| 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 only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every company utilizes a different rate formula, and rates will be varied between companies.
| 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 Buy More Affordable Scion tC Insurance
Finding cheaper rates on insurance for a Scion tC not only requires being a low-risk driver, but also having good credit, being claim-free, and qualifying for all possible discounts. Invest the time to shop around at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a summary of the car insurance concepts illustrated above.
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,260 more per year to insure their tC
- It is possible to save around $120 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $225 each year
- Insureds who purchase more liability coverage will pay around $610 annually to go from a 30/60 limit to higher 250/500 limits
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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