Scion FR-S Car Insurance Cost: Average Rates, Cheapest Companies, and How to Save
Scion FR-S insurance averages $184 per month. But USAA and State Farm offer cheaper rates.
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Written byJ.J. Starr
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Edited bySara Getman
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Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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In This Article
Key Takeaways
The average Scion FR-S costs $184 per month, slightly higher than the national average of $166 per month for all vehicles.
USAA offers the cheapest insurance coverage, at $91 per month.
The Scion FR-S’s sports-car classification can raise rates, though strong crash-test ratings and older model age may help lower them.
Average Car Insurance Cost for the Scion FR-S
The cost of car insurance varies depending on your policy setup. A liability-only policy (your state-minimum coverage) costs the least. But it only covers damages you cause to others, up to coverage limits, through bodily injury liability coverage and property damage liability.
Full-coverage car insurance costs more because it adds coverage for your vehicle through collision coverage. It also adds comprehensive insurance, which covers non-collision damages like theft.
In the following table, you’ll find the average cost for Scion FR-S car insurance, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Scion FR-S | $128 | $239 | $184 |
| All vehicles | $116 | $216 | $166 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The average FR-S insurance policy costs $184 per month. Liability and full-coverage policies average $128 and $239 per month, respectively.
But broad averages don’t tell us everything. Below, we break down the key factors that affect car insurance pricing and the cheapest insurers for each scenario.
The Cheapest Car Insurance Companies for the Scion FR-S
Insurance costs, even for the same make and model, vary widely depending on the car insurance company. That’s because every company has a unique way of determining risk, which affects average premiums. The table below shows the cheapest auto insurance companies for the FR-S, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $109 |
| Allstate | $121 |
| GEICO | $135 |
| American Family | $139 |
| Progressive | $162 |
| Nationwide | $168 |
| Travelers | $177 |
| Farmers | $213 |
| Liberty Mutual | $268 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
4.3
Best choiceBased on 119 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (65)
Lonny
Verified Review
SCAM
Reviewed in Georgia on September 2025
Be sure all the numbers match your conversation with the agent! My outcome is $80 more a month than when I purchased the plan!
Clifford
Verified Review
Rate hikes yet again. Leaving USAA after 28 years.
Reviewed in Arizona on July 2025
They have significantly increased rates over the last few years. I have excellent credit, a clean driving record, and no claims, yet rates increased again this renewal by another $160 per 6 months. My rate has increased over $400 in the last 18 months to now $1562.68 for 6 months.
Natalya
Verified Review
SCAM
Reviewed in Colorado on July 2025
Our experience with USAA was horrendous. We lost our home to Hurricane Beryl. Having been a member for 27 years and never making any claims, this experience was indescribable.
USAA, to whom we had paid $410.36 for years, had me doing their job. No tickets, no DUI, and a 20-year-old driver. That is too expensive for anyone.
After Beryl, there was no power, which meant no electricity, no internet, no open stores, no food, and no gas.
By the beginning of the second month, USAA tried to make Texas Wind and Air responsible, then FEMA, for paying for the broken roof, fallen trees, flooded home, and damaged AC. We decided to pack up and move on our own dime again.
USAA is and always will be a ripoff. Very expensive to be a USAA member. Never again. We are just fine with AAA. Personally, the old ways of taking care of folks with insurance are only found and available with AAA.
USAA has not stopped offering me a job with their claims department since Hurricane Beryl, though. I must know what I am doing better than my agent, who got fired for drinking and falsifying claims documents.
There's more to the storyline with USAA. Plan on having to call them constantly to make sure they are at work.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA consistently ranks at the top for customer satisfaction and claims service, according to J.D. Power. You can expect more than low rates. In fact, USAA offers a perks program that allows customers to receive discounts on travel, rental cars, cruises, and more.
Pros
Top-rated claims and customer service
Great customer reviews for its mobile apps
Cons
Limited original equipment manufacturer parts coverage
Only available to military members and their families
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
3.9
A solid optionBased on 600 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Best For
Reviews (302)
Chester
Verified Review
Too Expensive
Reviewed in New York on December 2025
State Farm is too expensive, which is why I'm transferring.
Donald
Verified Review
Rates Too High
Reviewed in North Carolina on December 2025
I liked it up until they raised my rate to an unbelievably high amount, so now I'm looking for a different company.
William
Verified Review
Currently Disgruntled with State Farm Insurance
Reviewed in Oregon on December 2025
Due to State Farm also being our homeowner insurance, and due to them canceling our homeowner insurance and the emotional effect of this cancellation, we are not too happy with State Farm. When pricing other home insurance providers, we learned from these potential providers that we were paying considerably higher for our State Farm car insurance than other insurance companies. Thus, if I were to advise a friend regarding State Farm, I would tell them my experience was that I found much cheaper car insurance with other providers. However, the agent LuAnn Davidson, our State Farm agent, on four different occasions went to bat for us (took our side) when we had issues with State Farm and caused the issue to be resolved in our favor. We were with State Farm for more than 10 years. I would advise my friend if you are going with State Farm, have LuAnn be your agent.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
You’ll find cheap rates and strong discounts from State Farm, even if coverage options are somewhat more limited than those of competitors. Though it uses a local agent model, you can also easily self-manage your policy with its highly rated mobile app.[1]
Pros
Many agents available
Strong customer service and claims satisfaction
Cons
Accident forgiveness not available
Diminishing deductibles not available
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
3.5
A solid optionBased on 369 verified guest reviews and ratings
How drivers feel about Allstate
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Allstate
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (165)
Wendy
Verified Review
Good Customer Service
Reviewed in California on November 2025
They are a good, reliable company, but the price is too high.
John
Verified Review
Nice
Reviewed in Alabama on November 2025
Easy best price.
Herb
Verified Review
Allstate Rip-off
Reviewed in Florida on November 2025
They lowered my coverage and raised my rate without informing me.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate offers low rates and the opportunity to save even more with its highly rated pay-per-mile program, Milewise. Plus, you can add accident forgiveness and, if you added them to your FR-S, custom parts coverage to your policy.
Pros
Strong usage-based insurance program
Custom parts coverage and accident forgiveness available
Cons
Low claims satisfaction rating
Gap insurance not available
Scion FR-S Insurance Rates by State
Your car insurance rates vary greatly depending on where you live. That’s because every state has a unique combination of car insurance laws, claim rates, and climate patterns that affect risk and your car insurance premiums.[2]
Check out the average premiums for the FR-S by state in the map below, according to Compare.com data.
Scion FR-S Rates by State
State | Average Monthly Premium |
|---|---|
| Alabama | $168 |
| Alaska | $165 |
| Arizona | $204 |
| Arkansas | $209 |
| California | $262 |
| Colorado | $255 |
| Connecticut | $335 |
| Delaware | $306 |
| Florida | $266 |
| Georgia | $321 |
| Hawaii | $168 |
| Idaho | $132 |
| Illinois | $192 |
| Indiana | $166 |
| Iowa | $132 |
| Kansas | $188 |
| Kentucky | $240 |
| Louisiana | $253 |
| Maine | $188 |
| Maryland | $365 |
| Massachusetts | $186 |
| Michigan | $273 |
| Minnesota | $212 |
| Mississippi | $177 |
| Missouri | $224 |
| Montana | $183 |
| Nebraska | $179 |
| Nevada | $310 |
| New Hampshire | $110 |
| New Jersey | $323 |
| New Mexico | $178 |
| New York | $239 |
| North Carolina | $114 |
| North Dakota | $150 |
| Ohio | $154 |
| Oklahoma | $218 |
| Oregon | $182 |
| Pennsylvania | $201 |
| Rhode Island | $281 |
| South Carolina | $301 |
| South Dakota | $177 |
| Tennessee | $172 |
| Texas | $276 |
| Utah | $186 |
| Vermont | $188 |
| Virginia | $230 |
| Washington | $213 |
| Washington D.C. | $399 |
| West Virginia | $191 |
| Wisconsin | $147 |
| Wyoming | $130 |
State | Average Monthly Premium |
|---|---|
| California | $262 |
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Scion FR-S Insurance Rates by Driver Age
Car insurance companies consider your age a strong predictor of risk. Teens and young drivers pay the highest rates because they get into more accidents than other age groups.[3] Costs decrease as you age and reach lifetime lows in your senior years.
Here’s how FR-S rates change based on age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $354 |
| Adults | $174 |
| Seniors | $156 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest Scion FR-S car insurance for teens and drivers younger than 25
Insurers typically offer the highest rates to teen drivers, followed closely by drivers younger than age 25. Younger drivers have less experience on the road, wear seat belts less, engage in distracted driving, and speed more than average. Young drivers also have higher accident rates than other age groups.[3]
Still, some insurance companies offer cheaper rates to this group. Here are the cheapest insurers for young FR-S drivers, according to Compare.com data.
Cheapest Rates for Young Drivers
Cheapest Scion FR-S car insurance for seniors
Car insurers offer the cheapest rates to senior drivers because this group has more experience and drives fewer milesiles, which likely contributes to its lower car accident rates. But some insurers will offer even lower rates to seniors.[4]
The following chart lists the five most affordable auto insurance companies for senior FR-S drivers, according to our data.
Cheapest Rates for Seniors
Scion FR-S Insurance Rates by Driving Record
Insurance companies also pay close attention to your driving history when determining the cost of your policy. Drivers with clean records tend to get lower rates (and good driver discounts), while drivers with violations often see higher rates.
Here are the average premiums for FR-S drivers based on various driving records, based on our research.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $184 |
| Speeding ticket | $246 |
| At-fault accident | $262 |
| DUI | $296 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
FR-S drivers with a clean record pay the lowest premiums, while drivers with a conviction for driving under the influence (DUI) pay the most.
Cheapest Scion FR-S insurance for drivers with a speeding ticket
Speeding tickets can cause insurance rates to increase because they indicate a higher risk of a future insurance claim. In fact, speed-related crashes accounted for 29% of traffic fatalities in 2023.[5] But several insurers treat speeding tickets with more leniency than others.
Here are the cheapest insurers for Scion FR-S drivers with a speeding ticket, according to Compare.com data.
Cheapest Rates With a Ticket
Cheapest Scion FR-S insurance for drivers with an accident
When you cause an at-fault accident, you can expect rates to rise significantly because it increases your risk profile. In fact, research shows that an at-fault accident can increase the chances of a future accident by 88%.[6] That said, some insurers offer more affordable rates than others to this group.
We’ve listed the five cheapest auto insurers for FR-S drivers with an at-fault accident in the chart below.
Cheapest Rates With an Accident
Cheapest Scion FR-S insurance for drivers with a DUI
Insurers typically price policies for drivers with a DUI conviction so high because alcohol contributes to a high number of crash-related fatalities. Drivers with a DUI also have elevated rates of repeat offenses.[7] Even so, you can still find affordable coverage with a DUI on your record.
Here are the insurance companies with the cheapest rates for FR-S drivers after a DUI, according to Compare.com data.
Cheapest Rates With a DUI
Deep Dive: What Affects Scion FR-S Car Insurance Rates?
Many vehicle characteristics shape insurance risk and premiums. Here’s what can affect your Scion FR-S insurance rates:
Age: Even the most recent FR-S is nearly a decade old, which can lower its value and your premiums.[8]
Depreciation: Despite its age, the resale value for the FR-S has recently increased, potentially raising rates.
Trim style: Insurance for the more expensive Series 2.0 Coupe 2D may run higher than for the base model.
Safety rating: The FR-S earns a 5.0 crash test rating, which can lower rates.[9]
Classification: Insurers tend to view sports cars as higher risk, which can increase rates for the FR-S.
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How to Get Cheaper Car Insurance for Your Scion FR-S
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Here are a few strategies to help lower your FR-S insurance costs.
Raise deductibles. Higher deductibles typically result in lower monthly car insurance premiums, but be sure you can pay the out-of-pocket costs if you file a claim.
Drop unnecessary coverage. If you drive an older FR-S, consider whether dropping collision or comprehensive coverage makes sense for you.
Use discounts. Car insurance discounts, like telematics programs and bundling with home insurance, can significantly reduce your rates.
Avoid future violations. Even with existing tickets, safe driving can lower your premiums as older tickets fall off your record.
Compare premiums. Shopping around and comparing car insurance quotes from several insurers makes it easy to see which company offers the most value for its price.
Scion FR-S Auto Insurance FAQs
Below, we’ve answered the most common questions Scion FR-S drivers have about getting car insurance.
Is the Scion FR-S expensive to insure?
It depends. At $184 per month, the FR-S typically costs slightly more to insure than the average vehicle, according to our data. That’s largely due to its classification as a sports car. Still, many insurers offer competitive rates for safe FR-S drivers.
What’s the cheapest insurance company for a Scion FR-S?
Our data shows that USAA offers the lowest average premiums for FR-S drivers, at $91 per month, followed by State Farm and Allstate. Keep in mind that your personal rate will depend on your unique driver profile and other factors.
How much is car insurance for a 2025 Scion FR-S?
A 2025 FR-S doesn’t exist. Scion ended production in 2016, and the FR-S was rebranded as the Toyota 86 beginning in 2017. For the latest model, the average FR-S policy costs about $184 per month, according to Compare.com data.
What’s the cheapest Scion to insure?
The FR-S is the cheapest Scion model to insure, at $184 per month, according to our data. But keep in mind that older and lower-value vehicles like the Scion xB or xD may cost less to insure than performance-oriented models, such as the FR-S.
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Sources
- App Store. "State Farm."
- III. "What determines the price of an auto insurance policy?."
- Teen Drivers. "Risk Factors for Teen Drivers."
- III. "Senior driving safety and insurance tips."
- NHTSA. "Summary of Motor Vehicle Traffic Crashes."
- NLM. "A systematic review of statistical models and outcomes of predicting fatal and serious injury crashes from driver crash and offense history data."
- NIH. "Subsequent Risky Driving Behaviors, Recidivism and Crashes among Drivers with A Traffic Violation: A Scoping Review."
- J.D. Power. "Scion FR-S Model Years."
- Kelley Blue Book. "Scion FR-S."
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Learn more about us, our team, and what makes us tick.
)
J.J. StarrInsurance Writer
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.