The Toyota Scion is a line of compact, sporty coupes and hatchbacks that first debuted in the U.S. in 2003. Toyota officially discontinued the Scion line after the 2017 model year. Scion insurance costs an average of $1,694 per year for a full coverage policy. If you still own a Scion, it needs to be protected with the right car insurance.
When it's time to find the best Toyota Scion insurance, an independent insurance agent can assist you. These agents know where to get the right Toyota insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Toyota Scion by model year and top-rated insurance company in 2026.
Key Takeaways - 2026 Toyota Scion Car Insurance
Toyota Scion insurance costs an average of $1,694 per year, or approximately $141 per month, for full coverage in 2026.
Toyota Scion insurance costs vary widely by location, with drivers in New Hampshire paying an average of only $110 per month for coverage, while those in Washington, D.C. pay $399.
USAA, Allstate, and American Family are the cheapest carriers for Toyota Scion FR-S insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota Scion insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota Scion model.
How Much Does Scion Insurance Cost in 2026?
The average cost of Toyota Scion insurance ranges from $76 to $271 per month, depending on the model and trim of your vehicle and your driving profile. So, how much is Scion insurance per year? Toyota Scion insurance averages $1,694 for full coverage across all models per year.
Scion Insurance vs. National Average
The current national average cost of full coverage is $2,700 per year, or $225 per month. The average cost of Scion insurance is cheaper than the national average for full coverage.
Although the brand has been discontinued, there's no reason to assume that Scion car insurance rates will experience a significant increase, like most discontinued vehicles. That's because Toyota is more than likely to keep making replacement parts available. This means all Scion models remain fully insurable for the foreseeable future.
Average Scion Insurance Cost by Model (2026)
The Scion FR-S is the most expensive model to insure, while the iQ is the least expensive. The table below compares the average annual and monthly costs to insure each Scion model in 2026, including Scion tC insurance cost per month, Scion FR-S insurance rates, Scion iQ insurance per month, Scion xD car insurance rates, and Scion xB insurance rates.
| Scion Model | Average Annual Cost of Car Insurance | Average Monthly Cost of Car Insurance |
| FR-S | $2,113 | $176.08 |
| iA | $1,704 | $142.00 |
| iQ | $1,486 | $123.83 |
| tC | $1,874 | $156.17 |
| xB | $1,519 | $126.58 |
| xD | $1,468 | $122.33 |
Cheapest Insurance Companies for Scion Drivers
The best companies for Scion insurance include USAA, Allstate, and American Family for the cheapest Scion insurance rates. Note that USAA only offers coverage to military members, veterans, and their families. The table below compares the best and cheapest car insurance companies for a Scion FR-S in 2026.
| Top Car Insurance Companies | Average Monthly Cost of Car Insurance |
| USAA | $91 |
| Allstate | $121 |
| American Family | $139 |
| Progressive | $162 |
| Nationwide | $168 |
| Travelers | $177 |
| Liberty Mutual | $268 |
Scion Insurance Rates by State for 2026
Some Scion models cost more to insure per month in certain areas due to state minimum coverage requirements, no-fault laws, and population densities. The table below compares the Scion FR-S's average cost to insure by state for 2026.
| State | Average Monthly Cost of Car Insurance |
| Alabama | $168/month |
| Alaska | $165/month |
| Arizona | $204/month |
| Arkansas | $209/month |
| California | $262/month |
| Colorado | $255/month |
| Connecticut | $335/month |
| Delaware | $306/month |
| Florida | $266/month |
| Georgia | $321/month |
| Hawaii | $168/month |
| Idaho | $132/month |
| Illinois | $192/month |
| Indiana | $166/month |
| Iowa | $132/month |
| Kansas | $188/month |
| Kentucky | $240/month |
| Louisiana | $253/month |
| Maine | $188/month |
| Maryland | $365/month |
| Massachusetts | $186/month |
| Michigan | $273/month |
| Minnesota | $212/month |
| Mississippi | $177/month |
| Missouri | $224/month |
| Montana | $183/month |
| Nebraska | $179/month |
| Nevada | $310/month |
| New Hampshire | $110/month |
| New Jersey | $323/month |
| New Mexico | $178/month |
| New York | $239/month |
| North Carolina | $114/month |
| North Dakota | $150/month |
| Ohio | $154/month |
| Oklahoma | $218/month |
| Oregon | $182/month |
| Pennsylvania | $201/month |
| Rhode Island | $281/month |
| South Carolina | $301/month |
| South Dakota | $177/month |
| Tennessee | $172/month |
| Texas | $276/month |
| Utah | $186/month |
| Vermont | $188/month |
| Virginia | $230/month |
| Washington | $213/month |
| Washington, D.C. | $399/month |
| West Virginia | $191/month |
| Wisconsin | $147/month |
| Wyoming | $130/month |
Scion Insurance Rates by Age for 2026
Your age is a significant factor that affects car insurance costs. The Scion line was marketed to young drivers, who face the highest car insurance premiums. Toyota Scion insurance for young drivers is much more expensive than coverage for adults. Auto insurance premiums tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, car insurance rates begin to rise as they age. Here are some average Toyota Scion tC insurance rates by driver age group for 2026.
| Driver Age | Average Monthly Cost of Car Insurance |
| Under 18 | $198 |
| 18-24 | $120 |
| 25-34 | $75 |
| 35-44 | $75 |
| 45-54 | $68 |
| 55-64 | $56 |
| 65 or Older | $63 |
What Factors Affect Scion Insurance Rates?
Several factors can affect the cost of Toyota Scion insurance, including the specific model and trim level you have, the vehicle's safety ratings, your age and driving history, the type of coverage you need, and your credit score.
Model and Trim
For the Scion, the FR-S has the highest coverage rates. That's because the Scion FR-S needs sports car insurance due to its classification. The Scion iQ and xD are classified as economy hatchbacks and have the lowest coverage rates. The Scion tC is classified as a sporty coupe, and its rates fall in the mid-range. Scion's one-trim-per-model policy limits trim variation as a rate factor.
Safety Ratings (NHTSA and IIHS)
The 2016 Scion tC has a 5-star NHTSA overall rating, as does the 2016 FR-S. The 2015 Scion iQ has a 4-star NHTSA rating, which may lead to slightly higher premiums due to a lower safety score. The Scion xD, tC, and xB all earned "Good" safety ratings from the IIHS. Strong safety ratings can reduce car insurance premiums because carriers perceive a lower risk of claims and collision damage associated with these vehicles.
Driver Age and Profile
Drivers under age 25 pay significantly higher car insurance premiums. For example, 18-24-year-old Scion tC drivers pay an average of $120 per month, while those aged 25-34 pay only $75. In certain states, gender, marital status, and credit score can also be used as rating factors for car insurance premiums.
Coverage Level and Deductible
If you buy full coverage for your Scion, you'll pay more than if you buy a minimum coverage liability-only policy. While the Scion FR-S's average monthly minimum coverage premium is $128, the cost jumps to $239 per month for full coverage. Having full coverage makes sense for newer, more valuable vehicles. However, you may also want full coverage on an older Scion if you're still paying off an active car loan or live in a high-theft rate area.
Credit Score and Driving History
Drivers with poor credit can pay much more for car insurance in states where this is allowed as a rating factor for car insurance premiums. In California, Hawaii, and Massachusetts, a credit score is not allowed to influence car insurance costs.
Further, your driving history greatly impacts premiums. Just one single at-fault accident or speeding ticket can raise your premiums significantly. Here's a comparison of Scion FR-S rates for a driver with a clean record vs. traffic violations.
| Driving Record | Average Monthly Cost of Car Insurance |
| Clean record | $184 |
| Speeding ticket | $246 |
| At-fault accident | $262 |
| DUI | $296 |
Scion Insurance and the Discontinued Brand: What You Need to Know
The Toyota Scion has been discontinued, but parts remain available through the Toyota dealer network and the aftermarket. Currently, there is no expected Scion insurance rate increase due to the vehicle's discontinuation. You can also buy and insure new successor models for the old Scions. For example, the Scion FR-S has become the Toyota 86, the Scion iM is now the Corolla iM, and the Scion iA is now the Toyota Yaris.
Does insuring a discontinued car cost more?
Not necessarily. It might cost more to insure a discontinued vehicle only if parts become scarce or if repairs require a specialist. However, parts for the Toyota Scion remain readily available and widely stocked.
How to Get Cheap Scion Car Insurance
There are several easy ways you can save money on your Toyota Scion insurance, such as by working with a local independent insurance agent and comparing coverage from multiple carriers in your area. Follow these tips to save as much money as possible on Scion insurance in 2026.
Shop Multiple Carriers Using an Independent Insurance Agent
Depending on which carrier you get your Toyota Scion insurance from, you can experience a significant difference in your premiums. For example, Scion FR-S owners can pay as little as $91 per month by getting coverage from USAA, or as much as $268 per month with a policy from Liberty Mutual.
Working with a local independent insurance agent can help you shop and compare several carriers in one easy step. These agents know which carriers offer the most affordable Toyota Scion insurance near you and where to find the best car insurance discounts.
Stack Available Discounts
Several car insurance discounts are available from most carriers to help you save on your coverage, including the following:
- Pay-in-full discounts
- Home insurance and auto insurance bundling discounts
- Defensive driving course discounts
- Low annual mileage discounts
- Anti-theft device discounts
- Multi-vehicle policy discounts
Stacking multiple discounts can lead to significant savings each year on your car insurance. Bundling discounts alone can save you up to 25% on each coverage. A local independent insurance agent can help you apply all the discounts you qualify for.
Choose the Right Coverage Level for an Older Scion
Your vehicle's age and value determine the appropriate coverage types and amounts. For example, if your annual comprehensive and collision premiums exceed 10% of your vehicle's actual cash value (ACV), it can be wise to switch to minimum liability-only coverage. Many Scions on the road today are between eight and 15 years old, meaning full coverage is often not required from a financial perspective.
Choosing the Right Coverage for Your Scion
If you plan to purchase a used Scion, or if you currently own one, the next step is to contact an independent insurance agent and find the insurance savings that may be available to you. With multiple carrier selections, an independent insurance agent can help you get Scion insurance quotes at the most competitive rates.
An independent insurance agent can help you determine if you need liability, collision, comprehensive, uninsured/underinsured motorist, and PIP or medical payments coverage for your Scion based on its age and value. If you drive an older model, your agent can help you get set up with sufficient minimum coverage. For newer and more valuable Scions, your agent will assemble a complete full-coverage package at the best available rate.
Frequently Asked Questions About Toyota Scion Car Insurance
How much is Scion car insurance per month?
The average cost of car insurance for a Scion FR-S is $2,113 per year, and this is the most expensive model due to its sports car classification. The Scion iQ ($1,486/year) and the xD ($1,468/year) are the least expensive to insure. Driver profile and coverage levels significantly affect final premium rates.
Can you still get insurance for a Scion?
Yes. All major insurers continue to cover most Scion models. Toyota's Scion parts remain widely available, which ensures repairability and insurability. Further, Scion insurance rates haven't increased due to brand discontinuation. Toyota assumed all remaining Scion warranties in August 2016.
What is the cheapest Scion model to insure?
The Scion iQ is the least expensive, followed by the xB and xD models. The FR-S is the most expensive to insure due to its sports car classification, which insurers treat as higher risk regardless of actual driver behavior.
Is the Scion FR-S considered a sports car for insurance?
Yes. Insurers classify the FR-S as a sports car, resulting in higher premiums. Full coverage averages around $184 per month, with rates varying substantially by carrier and driver profile.
Which insurance company is the cheapest for Scion drivers?
USAA offers the lowest rates for eligible drivers (i.e., military, veterans, and their families). For non-military drivers, Allstate, American Family, and Progressive rank among the most competitive. Rates vary by model, state, and driver profile.
Does Toyota cover Scion under warranty?
Toyota assumed full responsibility for all remaining Scion warranties when the brand was discontinued in August 2016. Toyota also continues to supply replacement parts, keeping repair costs and insurance claims manageable.
How can I lower my Scion insurance rates?
You can easily lower your Scion car insurance rates when you compare quotes with an independent insurance agent, bundle home and auto policies, pay your full premium upfront, complete a defensive driving course, and maintain a clean driving record. Combining several discounts can also significantly reduce your total premium cost
An Independent Insurance Agent Can Help You Get the Best Toyota Scion Insurance Quotes
When it's time to find the most affordable Toyota Scion insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Toyota Scion insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
Related Links:
Sources
https://www.thezebra.com/auto-insurance/vehicles/scion/
https://www.compare.com/auto-insurance/vehicles/toyota/scion-frs
https://www.compare.com/auto-insurance/vehicles/toyota/scion-tc