Toyota Scion TC Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Scion TC is more expensive to insure compared to the average car.

• Full coverage auto insurance for a Scion TC tends to be around $200 monthly, on average, while liability only insurance typically comes in at about $90 a month.

• CSAA provides the lowest average premiums for a Scion TC with liability only coverage offered for sometimes as low as $23 per month.

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Scion TC Overview

The Toyota Scion TC is a great budget-friendly car for drivers of all types, with base prices starting at just $19,385 for 2016 models.

We ran through thousands of car insurance quotes on Compare.com, and we've found that Toyota Scion TC insurance premiums run around $192 a month, on average. How do car insurance prices for the Scion TC compare to rates of other similar cars?

How Much is Car Insurance for a Toyota Scion TC?

Based on the table above, auto insurance premiums for a Toyota Scion TC are more expensive than average. On average, Scion TC owners can expect to pay about $90 monthly for liability insurance, and around $200 per month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Comparing it to other Toyota models, the Scion TC is more expensive, with rates about 23% higher than the rest of the company's vehicle lineup. Compared to offerings from other brands, insurance for a Scion TC is similarly on the expensive side, with full coverage insurance prices coming in around 13% more and 8% more for liability only insurance.

Unsurprisingly, they're overall more expensive to insure than the average vehicle, regardless of which make, body style, or model you compare it to.

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Who has the Cheapest Car Insurance for a Toyota Scion TC?

If you're in the market for a car insurance policy for a Toyota Scion TC, you're probably wondering which company offers the cheapest prices. While rates can fluctuate considerably depending on your driver profile, CSAA has the cheapest average rates for liability only coverage, with rates as low as $23 monthly. With car insurance sometimes as little as $34 a month, CaliforniaCasualty is the next most affordable car insurance carrier.

Hugo, Shelter Mutual, and Mile Auto round out the rest of the top 5 list. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Car insurance carriers take many different factors into consideration when calculating how much to charge you. By getting quotes from a multitude of auto insurance companies at once, you can guarantee you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Toyota Scion TC?

As we mentioned above, there are many variables that insurance carriers take into account to calculate how much they charge you -- and each company weighs different factors more heavily than others, so there's not a single carrier that's the lowest for every driver.

The following sections show a wide array of things car insurance companies use to calculate rates:

Vehicle Age

The Toyota Scion TC has been around for a while -- that means vehicle age can play a big role in what you end up paying for insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Scion TCs continue to depreciate, insurance costs will gradually go lower.

Based on the information in the above table, the Toyota Scion TC does not follow this trend, as the most expensive models to insure are those that are 4 to 5 and 11 to 14 years old, while on average, the cheapest Scion TCs are 1 year old or less.

Your Age

Age makes a significant difference in how much auto insurance carriers will charge you for car insurance. As you can see above, young Scion TC drivers pay more expensive prices compared to those with more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group for Scion TC drivers being 55-64.

Your Gender

Women tend to pay less for insurance than men. This is because men are more likely to get tickets and get into collisions, which increases the chances of an insurance claim. When it comes to Scion TC drivers specifically, men pay about $11 more than women per month for auto insurance.

Where You Live

You might think it's common sense that factors such as how old you are and what vehicle you drive play a role in your car insurance premiums, but you may not realize that where you live matters just as much. Since insurance is regulated on the state level and not nationally, rates can change quite a bit from state to state.

For example, the average Toyota Scion TC driver in New York pays around $277 a month for liability coverage. Meanwhile, on average, the same owner in California will pay only a quarter of that price. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

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Toyota Scion TC Car Insurance Discounts

No matter your car, your age, or your home state, using as many discounts as possible when it comes to your auto insurance is always important when shopping around for a new policy.

Even though all car insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-vehicle discounts for adding more than one car to your auto policy
• Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)

There are countless ways to save money on your insurance if you know where to look. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Although you may not have control of every factor auto insurance carriers use to calculate rates (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use in your favor when it comes to saving cash:

Your Driving Record

You've almost certainly seen ads from car insurance companies promoting large discounts for good drivers. It shouldn't come as a surprise that your auto insurance premiums will go up if you get into an accident or get cited for speeding. But how much will they cost you?

You can see from the table above that accidents will usually cost Scion TC drivers less than tickets, but both will result in higher than normal rates. Toyota Scion TC drivers with a single ticket will pay an average of $99 monthly, while drivers with one accident on their record pay about $97 every month (up $7 from the $90/mo. overall average). Those who have more than one of either violation will end up paying even more.

How Much You Drive

How much you drive annually affects your insurance prices. Those who are on the roads less are more likely to go accident-free, so they'll normally get less expensive premiums. In the table above, you can see that Toyota Scion TC owners who drive less than 2,500 miles pay $105 for car insurance, while those who drive between 5,000 and 7,500 miles each year pay about $78 a month.

If you don't drive much because have a second vehicle or you work from home, it may be worth considering usage-based or pay-per-mile insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Toyota Scion TCs Compare to Other Vehicles?

If you're thinking about making a Toyota Scion TC your next purchase, it might be helpful to do your research. Auto insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering.

Take a look at the table below to see how the Toyota Scion TC compares:

With an MSRP that's less than half of the going rate for a new vehicle, the Toyota Scion TC is a great value for any budget. While the average vehicle MSRP in the U.S. is $41,076, the Scion TC has an MSRP of just $19,385.

Although the Scion TC's price is on the low end of the spectrum, auto insurance rates are higher when compared to other vehicles on the market. Liability insurance for a Toyota Scion TC is about $36 per month more than average, while full coverage is over $50 more monthly.

When it comes to usage, Toyota Scion TC owners drive about the same amount annually as the national average, with 11,660 miles per year for all vehicles compared to the Scion TC's 12,371 a year.

Toyota Scion TC Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much you might pay for car insurance. But if you're thinking about buying a new vehicle and the Scion TC is one you're considering, knowing what you can expect to pay is extremely valuable as you weigh your choices.

That's why we've done the heavy lifting and analyzed Toyota Scion TC auto insurance prices by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options. We've included some additional information you might find helpful, too, like available trims, base price, and even the cheapest insurance company for each Scion TC model year.

Choose Your Model

2016 Toyota Scion TC Car Insurance 2015 Toyota Scion TC Car Insurance 2014 Toyota Scion TC Car Insurance 2013 Toyota Scion TC Car Insurance 2012 Toyota Scion TC Car Insurance 2011 Toyota Scion TC Car Insurance 2010 Toyota Scion TC Car Insurance 2009 Toyota Scion TC Car Insurance 2008 Toyota Scion TC Car Insurance 2007 Toyota Scion TC Car Insurance 2006 Toyota Scion TC Car Insurance 2005 Toyota Scion TC Car Insurance

2016 Toyota Scion TC Car Insurance

On average, drivers who own a 2016 Toyota Scion TC can expect to pay $117 to $225 per month for liability only and full coverage insurance, respectively.

We found Commonwealth Casualty offered the most affordable policy, with rates as cheap as $21 a month.

Interested in what your auto insurance premium will be? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2015 Toyota Scion TC Car Insurance

You can expect full coverage for a 2015 Scion TC to run around $220 per month, while liability only coverage will average about $89 monthly.

Looking for the cheapest policy? MetroMile offered liability only coverage for as cheap as just $25 a month.

If you're looking for a more exact figure on what you should pay for insurance for a 2015 Toyota Scion TC, you can get free quotes in minutes by just entering your ZIP code below.

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2014 Toyota Scion TC Car Insurance

The average cost to insure a 2014 Toyota Scion TC with liability only coverage is $87 per month, while full coverage runs around $213 monthly.

Safeco has premiums as little as just $22 per month for the 2014 Toyota Scion TC.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2013 Toyota Scion TC Car Insurance

It costs about $96 a month for liability or $198 for a full coverage policy for the 2013 Scion TC.

If you're looking for the cheapest possible 2013 Toyota Scion TC insurance policy, MetLife offered the lowest policy we found, with rates sometimes as cheap as $22 monthly.

Want to know exactly how much you'll pay? Get lots of personalized quotes for free by just entering your ZIP code below.

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2012 Toyota Scion TC Car Insurance

2012 Toyota Scion TC drivers can expect to pay an average of $74 per month for liability or $206 for full coverage.

Elephant offered the most affordable policy we found, with rates as low as just $17 a month.

While these are good estimates of what the average driver might pay to insure a 2012 Toyota Scion TC, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2011 Toyota Scion TC Car Insurance

On average, drivers who own a 2011 Scion TC can expect to pay $112 to $222 monthly for liability only and full coverage car insurance, respectively.

With prices as little as $27 per month, MetLife offered the cheapest policy we found for the 2011 Toyota Scion TC.

While these are good estimates of what the average driver might pay to insure a 2011 Toyota Scion TC, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2010 Toyota Scion TC Car Insurance

2010 Toyota Scion TC drivers can expect to pay an average of $94 monthly for liability or $198 for full coverage.

With prices as low as just $22 a month, Hugo offered the most affordable policy we found.

Want something more accurate than national averages? Just enter your ZIP code below to get several customized quotes for free.

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2009 Toyota Scion TC Car Insurance

It costs around $79 per month for liability or $190 for a full coverage policy for the 2009 Scion TC.

If you're looking for the lowest possible 2009 Toyota Scion TC insurance policy, Dairyland offered the lowest policy we found, with rates as little as just $22 monthly.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2008 Toyota Scion TC Car Insurance

The average cost to insure a 2008 Toyota Scion TC with liability only coverage is $90 a month, while full coverage runs about $183 per month.

Infinity offered the cheapest policy we found, with rates as little as $20 monthly.

If you want to find the best rates for auto insurance for a 2008 Toyota Scion TC, enter your ZIP code below and compare numerous personalized quotes in just a few minutes.

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2007 Toyota Scion TC Car Insurance

You can expect full coverage for a 2007 Scion TC to run around $188 a month, while liability only coverage will average about $90 per month.

With premiums as low as $19 monthly, Hugo offered the most affordable policy we found.

Want to know just how much you'll pay? Enter your ZIP code below to get multiple free personalized quotes.

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2006 Toyota Scion TC Car Insurance

On average, drivers who own a 2006 Toyota Scion TC can expect to pay $88 to $172 a month for liability only and full coverage car insurance, respectively.

Looking for the lowest policy? Jupiter offered liability only coverage for sometimes as cheap as $18 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2005 Toyota Scion TC Car Insurance

It costs around $91 a month for liability or $186 for a full coverage policy for the 2005 Scion TC.

We found Infinity offered the cheapest policy, with rates as cheap as $21 monthly.

If you want to know exactly how much you can expect to pay for your Scion TC, just enter your ZIP code below and get several free quotes in minutes.

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Toyota Scion TC Insurance FAQs

Is a Toyota Scion TC expensive to insure?

The Toyota Scion TC is more expensive to insure compared to the average vehicle. Liability insurance runs an average of $90 per month, while full coverage will cost you around $200.

How can I get the best price on car insurance for my Toyota Scion TC?

The only way to confirm you're getting the most affordable price on insurance is to check prices regularly and compare quotes from a range of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from lots of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Toyota Scion TC affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car, but that's actually not true. There are a variety of things auto insurance carriers use when they calculate your premiums, but your car's color is not factored into that equation.

Do I need to have insurance before I buy a Toyota Scion TC?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. Some dealerships may offer you a car insurance policy as part of the car-buying process, but the easiest thing to do is to let your insurance carrier know beforehand.

What car insurance discounts can I get for my Toyota Scion TC?

You will find a bunch of different discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the Scion TC you drive, but if your Scion TC has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you contact your insurance company and ask about their list of discounts, since they differ quite a bit from carrier to carrier.