Best Scion tC Auto Insurance in 2024 (Check Out the Top 10 Companies)

The top picks for the best Scion tC auto insurance are Progressive, State Farm, and Geico, known for their excellent coverage options and customer service.

These providers offer comprehensive insurance solutions tailored to the unique needs of Scion tC owners, ensuring optimal protection and peace of mind. Learn more by reading our guide titled, “What are the benefits of auto insurance?“

Their reputations for reliability and affordability make them standout choices in a competitive market. Whether you’re looking for basic liability or full coverage, these companies deliver quality and value to Scion tC drivers nationwide.

To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool above to instantly compare prices from various companies near you.

#1 – Progressive: Top Overall Pick

Pros

• Snapshot Discounts: Progressive offers substantial discounts for Scion tC drivers through its Snapshot program, rewarding safe driving habits.
• High A.M. Best Rating: With an A+ rating, Progressive provides reliable coverage for Scion tC owners, ensuring financial stability. Delve into our evaluation of Progressive auto insurance review.
• Flexible Deductibles: Scion tC drivers can benefit from Progressive’s flexible deductible options, making insurance more affordable.

Cons

• Limited Multi-Policy Discount: Progressive’s 10% multi-policy discount is less competitive for Scion tC owners compared to others.
• Snapshot Privacy Concerns: The Snapshot program requires continuous monitoring, which may raise privacy concerns for some Scion tC drivers.

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#2 – State Farm: Best for Personalized Service

Pros

• Bundling Policies: State Farm offers significant discounts for Scion tC owners bundling multiple policies. Discover insights in our guide titled, State Farm auto insurance review.
• High Low-Mileage Discount: State Farm provides a substantial discount for Scion tC drivers with low-mileage usage.
• Wide Coverage Options: State Farm tailors various coverage options specifically for the unique needs of Scion tC owners.

Cons

• Limited Multi-Policy Discount: State Farm’s 17% discount may not be as high for Scion tC owners compared to competitors.
• Higher Premium Costs: Despite discounts, premiums for Scion tC coverage at State Farm may be higher relative to other providers.

#3 – Geico: Best for Extensive Discount

Pros

• Wide Range of Discounts: Geico offers a variety of discounts for Scion tC insurance, including safe driver and good student discounts.
• Top A.M. Best Rating: With an A++ rating, Geico ensures superior financial health and claims-paying ability for Scion tC policies.
• Comprehensive Coverage: Geico provides extensive coverage options that cater specifically to the needs of Scion tC drivers. Learn more by reading our guide titled, “Geico Auto Insurance Review.”

Cons

• Customer Service Variability: Some Scion tC owners might experience variability in customer service quality with Geico.
• Policy Customization Limitations: While Geico offers many discounts, options for customizing Scion tC insurance policies are limited compared to competitors.

#4 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Nationwide rewards Scion tC drivers with a deductible that decreases annually for safe driving. Read up on the Nationwide auto insurance review for more information.
• High Multi-Policy Discount: With a 20% discount, Nationwide offers one of the best multi-policy discounts for Scion tC insurance.
• Strong A.M. Best Rating: Nationwide’s A+ rating assures Scion tC owners of its solid financial footing and reliability in claims handling.

Cons

• Higher Initial Premiums: Initial premiums for Scion tC insurance can be higher at Nationwide, despite the vanishing deductible benefit.
• Complex Claim Process: Some Scion tC drivers may find Nationwide’s claim process more cumbersome compared to other insurers.

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#5 – Allstate: Best for Drivewise Program

Pros

• Drivewise Rewards: Allstate’s Drivewise program offers personalized driving feedback and potential savings for Scion tC drivers who drive safely.
• Diverse Coverage Options: Allstate provides a range of coverage options tailored to the needs of Scion tC owners, from standard to comprehensive plans.
• Robust Multi-Policy Discounts: With a 10% multi-policy discount, Allstate makes bundling policies more attractive for Scion tC insurance. Access comprehensive insights into our guide titled Allstate auto insurance review.

Cons

• Premium Costs: Despite offering discounts, Allstate’s premiums for Scion tC insurance might still be relatively high compared to industry averages.
• Drivewise Data Sharing: The Drivewise program requires data sharing that might concern Scion tC drivers cautious about privacy.

#6 – Liberty Mutual: Best for Customizable Policy

Pros

• Customization Options: Liberty Mutual stands out for offering highly customizable insurance policies for Scion tC, suiting diverse driver needs.
• Competent A.M. Best Rating: With an A rating, Liberty Mutual promises financial stability and dependable claims service for Scion tC owners.
• Dedicated Support: Scion tC drivers can access dedicated customer support from Liberty Mutual, enhancing the insurance experience. Discover more about offerings in our complete Liberty Mutual auto insurance review.

Cons

• Moderate Multi-Policy Discount: At 12%, Liberty Mutual’s multi-policy discount for Scion tC insurance is moderate and may not compete well with other providers.
• Variable Premium Rates: Premiums for Scion tC insurance at Liberty Mutual can vary significantly, affecting affordability for some drivers.

#7 – Travelers: Best for IntelliDrive Discount

Pros

• IntelliDrive Program: Travelers offers the IntelliDrive program, which monitors driving behavior and could reduce Scion tC insurance rates significantly for safe drivers.
• Excellent A.M. Best Rating: With an A++ rating, Travelers guarantees superior financial strength and claims reliability for Scion tC insurance.
• Flexible Payment Options: Travelers provides flexible payment plans, making it easier for Scion tC drivers to manage their insurance costs. See more details in our guide titled, “Travelers Auto Insurance Review.”

Cons

• IntelliDrive Privacy Concerns: Participation in the IntelliDrive program involves constant monitoring, which might be seen as invasive by some Scion tC owners.
• Complex Discount Structure: The discount structure at Travelers can be complex, making it challenging for Scion tC drivers to maximize their savings.

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#8 – Farmers: Best for Local Agent

Pros

• Local Agent Support: Farmers provides personalized service through local agents, offering tailored advice and support for Scion tC insurance needs. More information is available about this provider in our Farmers auto insurance review.
• Robust Coverage Options: Farmers offers a comprehensive range of coverage options, allowing Scion tC drivers to customize policies to their specific requirements.
• Reliable Financial Standing: With an A+ rating from A.M. Best, Farmers ensures financial reliability and trustworthiness in handling claims for Scion tC drivers.

Cons

• Limited Discount Opportunities: Compared to other insurers, Farmers offers fewer discount opportunities for Scion tC insurance, which may impact overall affordability.
• Inconsistency in Customer Service: The quality of customer service can vary depending on the local agent, which might affect the consistency of service for Scion tC drivers.

#9 – Amica: Best for Dividend Policies

Pros

• Dividend Policies: Amica offers unique dividend policies that can return a portion of premiums to Scion tC drivers at the end of the policy term. See more details in our guide titled, “Amica Auto Insurance Review.”
• High Customer Satisfaction: Amica is known for its high customer satisfaction ratings, providing excellent service and support to Scion tC insurance holders.
• Competitive Multi-Policy Discounts: Offering a 15% discount for bundling, Amica makes it financially advantageous for Scion tC drivers to consolidate their insurance needs.

Cons

• Higher Premiums Without Bundling: Scion tC drivers may face higher premiums at Amica if they do not bundle their policies, affecting cost-effectiveness.
• Limited Availability: Amica’s coverage and services for Scion tC insurance may not be available in all areas, limiting options for some drivers.

#10 – Metromile: Best for Low-Mileage Driver

Pros

• Pay-Per-Mile System: Metromile’s innovative pay-per-mile system is ideal for Scion tC drivers who have lower annual mileage, potentially reducing insurance costs significantly.
• Transparent Cost Structure: With clear pricing based on mileage, Metromile offers a straightforward and predictable cost model for Scion tC insurance.
• Tailored for Urban Drivers: Metromile is particularly advantageous for Scion tC drivers in urban areas where driving mileage tends to be lower. Discover insights in our guide titled, “Metromile Auto Insurance Review.”

Cons

• Limited to Certain States: Metromile’s services are only available in select states, which might not benefit all Scion tC drivers looking for such specific coverage.
• Less Effective for High-Mileage Drivers: Scion tC drivers with higher mileage may find Metromile’s insurance model less cost-effective compared to traditional policies.

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Scion tC Insurance Rates Breakdown

The following section provides a detailed look at the monthly rates for both minimum and full coverage for Scion tC auto insurance across various providers. This information is crucial for drivers seeking to balance cost with coverage depth.

The table showcases monthly insurance rates for Scion tC, categorized by minimum and full coverage levels from various leading providers. Allstate offers rates at $83 for minimum and $160 for full coverage, positioning itself in the mid to higher end of the spectrum.

On the more economical side, Metromile presents the lowest rates with $70 for minimum and $135 for full coverage, appealing to budget-conscious drivers. Other notable providers include Geico with attractive rates at $72 and $140, and Amica close behind at $76 and $148 respectively for minimum and full coverages.

This diversity in pricing reflects the competitive nature of the market and the range of options available to Scion tC owners, ensuring they can find a policy that fits their financial and coverage needs. Discover insights in our guide titled, “What is full coverage auto insurance?“

Scion

Scion is a vehicle brand produced by the auto manufacturer Toyota. While Toyota is headquartered in Tokyo, Japan, the Scion branch of the company is based in Torrance, California. Scion started producing cars in 2004.

There are several different types of Scion models; however, the look and driving capabilities of the brand are designed to attract younger drivers and professionals.

Traditionally, Toyota has focused on producing vehicles catering to older drivers and families. According to its official website, Scion builds cars that allow owners to express their individuality. For example, various types of accessories can be purchased for Scion cars.

Learn more by reading our guide: Cheap Toyota Auto Insurance

Scion tC

While there have been several different models of it built to date, typically the Scion tC has been a two-door hatchback with an appearance similar to luxury sedans and sports cars. Despite their stylish design, Scion tCs are affordable cars that get good mileage and have plenty of safety features.

The 2013 Scion tC is a two-door, front-wheel drive coupe, which can seat five passengers. It comes equipped with a four-cylinder, 2.5-litre engine that can deliver 180 horsepower. Delve into our evaluation of “Cheap Scion Auto Insurance.”

The latest model gets approximately 23 miles per gallon in the city and 31 mpg on the highway. The car has a six-speed transmission and a starting price of just under $20,000. You can learn more about the latest Scion tC by referring to the car’s official website or automobile publications like the Car Connection.

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How to Determine Your Average Auto Insurance Rates

Insurance companies consider many things when they determine what to charge someone for their coverage. While they will look at your car and consider whether it’s durable, safe, and valuable, providers also must review the personal circumstances of each customer.

They will also look at where and how much the car is going to be driven, and whether the person appears to be a good driver or a reliable customer.

As a result, two people may be asked to pay something quite different to insure the same Scion tC model.

In other words, when you examine the average insurance rates that people pay to cover their Scion tC, it’s important to remember that you could be charged more or less. According to Automobile Magazine, the average cost to insure a 2013 Scion tC per month is approximately $164.25. In 2012, the average monthly cost was around $146.

Drive Safely

Driving safely is one of the most effective ways to keep a lid on your insurance rates. A driver who causes several accidents or is pulled over numerous times for speeding will pay much more to insure their Scion tC. Insurance providers know that bad drivers are more likely to file claims that will cost them money. In turn, they will charge them more for their insurance.

If your driving record is already bad, then be extra cautious behind the wheel and slow down. By avoiding additional traffic-related incidents or violations your rates should come down over time.

On the other hand, if you cause another accident or even worse, get charged with a criminal, traffic-related offense, your rates could go through the roof. A good way to show an insurance provider you’re a safe driver is to take driving lessons.

Most insurance companies offer lower rates to people who have completed driver’s education.

There are also driving courses for mature and experienced drivers. By taking these, you can show an insurance provider that you’re dedicated to driving safely.

Get a Scion tC With Great Safety Ratings

If you want to lower your insurance rates then it’s important to buy a Scion tC that’s equipped with modern safety features and that has good safety ratings. If an insurance company is confident that your Scion tC is more likely to avoid an accident, then it will charge you less. In addition, if it believes that the car will protect its passengers in the event of a crash, your rates will be lower.

If a car helps prevent serious injuries from occurring, then insurance companies won’t have to pay as much for medical bills.

The latest model of the Scion tC comes equipped with many safety features, including multiple airbags, anti-lock brakes, brake assist, a tire pressure monitoring system, and electronic stability control. Newer versions of the Scion tC have also scored quite well in safety tests.

For example, the Insurance Institute for Highway Safety assigned the 2011 and 2012 models of the Scion tC a “good rating” for impact and strength tests conducted on the front, side, and top of the car. Earlier models received an “acceptable” rating. The U.S. Department of Transportation’s Safe Car website awarded the 2011, 2012, and 2013 models a five out of five-star rating for safety.

Keep a Good Credit Score

You can also save money on your car insurance by paying your bills on time and keeping a good credit score. If you’ve fallen behind in your insurance payments before or had other financial issues, then a company might raise your rates.

If a provider is worried that they may not get their money every month, they will charge more upfront. On the other hand, if you have a great credit rating and have been a reliable customer, a provider may even offer you a discount.

Agree to a Higher Deductible

If you agree to pay a higher deductible, you can also lower the premiums for your Scion tC. This is a good way to save some money on your insurance rates and keep the coverage you want. The deductible is the amount you’re required to put towards any claim you file.

 If you agree to pay a $700 deductible, then you will have to pay that amount if you file a claim with your insurance provider. They will pay the remainder.

By raising your deductible, your insurance company won’t have to pay as much for damages. As a result, they can charge you less for your insurance. To do this, however, make sure you have the money saved to put towards a higher deductible if you need it.

Consider Your Options

Before you buy your Scion tC insurance it’s a good idea to sit back and review your driving circumstances. If you’re not driving as much these days or have moved to a rural setting then you may not need as much insurance as you did before.

It’s important to protect yourself financially by carrying a solid amount of liability insurance. This insurance helps pay for the damages of other people in a crash you cause.

You’re required by law in nearly every state to have liability insurance.

Collision insurance will pay for the repairs your Scion tC needs after you cause an accident. Comprehensive insurance will help cover damages your car needs in an incident not involving another car. For example, a break-in or flood.

If you own an older Scion tC or rarely drive the car, then you may not need as much collision or comprehensive coverage as someone who drives a newer model daily. Less valuable cars are cheaper to repair. Vehicles that aren’t on the road very much are less likely to be involved in an accident.

Shop Around

One of the best ways to save money on your Scion tC is to look around and find great deals on insurance. A very convenient and effective way to do this is to use a website that specializes in comparing insurance quotes. The site will ask you several questions regarding your driving circumstances, and once you’ve provided the info it will send you quotes from several major providers.

You can look and choose the best deal from the comfort of your own home. It’s also a good idea to search online and see which providers have received good customer feedback. Just because one company has cheap insurance, doesn’t mean you’ll be happy as their customer.

Ask for a Discount

You could save some serious money by asking for a discount. Many providers will offer discounted rates to reliable customers who have good driving records. If you’ve been with the same company for a while, they may offer you a discount to keep you as a customer. Many companies also offer cheaper rates to Armed Forces vets and students who are excelling in school.

Conclusion: Best Scion tC Auto Insurance

Choosing the right auto insurance for your Scion tC involves weighing various factors, from cost to coverage. The comprehensive overview provided here, highlighting the top insurers like Progressive, State Farm, and Geico, underscores the variety of options available to meet the diverse needs of Scion tC owners. See more details in our guide titled “Best Auto Insurance Companies.”

Whether prioritizing affordability, extensive coverage, or customer service excellence, the insights shared offer a robust foundation for making an informed decision. To secure the best possible deal tailored to your specific requirements, utilizing tools like the free car insurance comparison will ensure that you find the optimal coverage at the most competitive rates.

Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code below to find the most affordable quotes in your area.

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