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

Quick Facts

• It costs more to insure a Toyota Scion IA than the average car.

• Liability insurance for a Scion IA comes in at around $86 per month, while full coverage normally runs about $184 a month.

• The most affordable car insurance company for a Scion IA is Pronto.

Scion IA Overview

Coming in with a base MSRP of $15,700 for 2016 models, the Toyota Scion IA is a great car for all budgets.

Based on analyzing thousands of auto insurance quotes from Compare.com, we've found that Toyota Scion IA insurance rates run around $172 per month, on average. Compared to other vehicles in the market, how do Scion IA auto insurance premiums stack up?

How Much is Car Insurance for a Toyota Scion IA?

If you look at the table above, you'll see that Toyota Scion IA insurance prices are right about average compared to other vehicles on the road. Scion IA owners generally pay around $86 a month for liability insurance, and about $184 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Compared to other Toyota models, the Scion IA is more expensive, with premiums more than 10% higher than the rest of the manufacturer's vehicle lineup. Compared to offerings from other brands, car insurance for a Scion IA is similarly on the expensive side, with liability only insurance rates coming in around $3 more and $7 more for full coverage.

Compared to all vehicles, regardless of model, body style, or make, the Scion IA has higher prices than average for both full coverage and liability only auto insurance.

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

If you're in the market for a new car insurance policy for your Toyota Scion IA, you might be wondering which carrier offers the most affordable rates. While there will never be one company that offers the cheapest rates for everyone, Clearcover and and Verti offer the lowest average rates for liability only coverage, with rates as little as $35 a month.

Aspire, Shelter Mutual, and CaliforniaCasualty round out the end 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 for you.

Auto insurance companies use many factors and complex formulas to calculate rates. There's only one way to make sure you find the most affordable possible rates, and that's by getting quotes from a bunch of insurance carriers.

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

As we mentioned above, there are a variety of things that car insurance companies use to calculate how much they charge you -- and each carrier weighs different attributes more heavily than others, so there's not a single company that's the lowest for every Scion IA driver.

The following sections show lots of variables auto insurance carriers use to decide rates:

Vehicle Age

The Toyota Scion IA has been around for a few years, so vehicle age will likely play a big role in your insurance rate. Generally, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.

As you can see in the information above, the Toyota Scion IA bucks the trend, as the most expensive models to insure are those that are 4 to 5 years old, while the cheapest Scion IAs are 2 to 3 years old, on average.

Your Age

How old you are plays a significant role in how much you pay for car insurance. Based on the information above, young drivers pay more compared to drivers who have more experience on the road. In this case, drivers who are 18 to 24 pay more than twice as much as those 25 or older.

Insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Scion IA.

Your Gender

Did you know women tend to pay less for insurance than men? This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim. When it comes to Scion IA drivers specifically, women pay about $79 monthly for car insurance and men pay around $93.

Where You Live

You might already know that things such as how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live is equally important? Since car insurance is regulated at the state level, prices change quite a bit from state to state.

For example, the average Toyota Scion IA owner in New York pays about $144 per month for liability coverage, while on average, the same driver from California will pay less than half of that price.

Toyota Scion IA Car Insurance Discounts

Regardless of how old you are, where you live, or what car you drive, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

While no two insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Multi-policy discounts for using the same insurance carrier for both your home and car insurance
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Pay-in-full discounts for agreeing to pay your entire policy price up front, rather than in monthly installments
• Multi-car discounts for adding more than one vehicle to your auto policy

But these aren't the only discounts auto insurance companies offer to their customers.

Even though you don't have control over every factor insurance carriers take into account to calculate premiums (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use to your favor when it comes to saving some cash:

Your Driving Record

You've no doubt observed ads from car insurance companies posting hefty discounts for responsible drivers. It shouldn't come as a surprise that your auto insurance prices will go up if you get tickets for speeding or get into a collision. But exactly how much is it going to cost you for these infractions?

You can tell from the table above that accidents will usually cost Scion IA drivers less than tickets, but both will cause a significant increase in rates. Toyota Scion IA drivers with a single accident on their record pay about $71 each month, while drivers with one ticket will pay an average of $133 a month. Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another variable that plays a role in your car insurance rates is the amount of miles you drive annually. Those who are on the roads less often are more likely to go accident-free, so they'll usually be offered more affordable premiums. In the above table, you can see that Toyota Scion IA owners who drive fewer than 2,500 miles per year pay about $75 per month for insurance, while those who put 10,000 miles or more on their cars pay $77.

If you drive a limited amount, it may be worth reviewing usage-based or pay-per-mile car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Toyota Scion IAs Compare to Other Vehicles?

If you're thinking about making a Toyota Scion IA your next vehicle, it can pay off to do your research. Car insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth taking into consideration.

Visit the table below to see how the Toyota Scion IA stacks up:

With an MSRP that's less than half of the going rate for a new vehicle, the Toyota Scion IA is a great value for any budget. The Scion IA has an MSRP of $15,700, which is quite a bit lower than the national average vehicle MSRP of $41,076.

Although the purchase price is on the cheaper end of the spectrum, auto insurance prices are slightly higher when compared to the rest of the vehicle market. Liability insurance for a Toyota Scion IA is around $5 per month more than average, while full coverage is $15 more monthly.

When it comes to usage, Toyota Scion IA owners drive fewer miles annually than the national average, with 9,454 miles every year compared to 11,660 for all vehicles.

Toyota Scion IA Car Insurance Costs by Model Year

You've seen how different factors can affect how much the average driver pays for insurance. If you're considering buying a new Scion IA, knowing what you'll likely pay is extremely valuable as you weigh your choices.

For this reason, we've decided to break down Toyota Scion IA auto insurance rates by model year. Choose a specific Scion IA model year in the dropdown below and see average rates for both liability only and full coverage, as well as some other helpful info, such as the base MSRP, who offers the cheapest policies, which trim levels are offered for each Scion IA model year.

2016 Toyota Scion IA Car Insurance

2016 Toyota Scion IA drivers can expect to pay an average of $86 per month for liability or $184 for full coverage.

With prices as low as $22 a month, Liberty Mutual offered the lowest policy we found.

Interested in what your car insurance premium could look like? Just enter your ZIP code below to get several personalized quotes for free.

Toyota Scion IA Insurance FAQs

Is a Toyota Scion IA expensive to insure?

The Toyota Scion IA is more expensive to insure compared to the average vehicle. Liability insurance runs an average of $86 monthly, while full coverage will cost you around $184.

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

The only way to make sure you're getting the most affordable price on insurance is to regularly shop around and compare quotes from several carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a range of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

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

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's simply not true. Although there are many variables car insurance carriers consider when they decide how much to charge, your vehicle's color isn't one of them.

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

Before you can legally drive your new (or new to you) Scion IA off the dealership lot, you'll need to have an insurance policy in place. Some dealerships may offer you a car insurance policy as part of the car-buying process, but the best thing to do when buying a a new car is to let your insurance company know beforehand.

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

There are a range of different discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are more based on you than the Toyota Scion IA you drive, but if your Scion IA has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to talk with your insurance agent and ask about their discounts.