Best Toyota Scion Car Insurance in 2024 (Find the Top 10 Companies Here)

The best Toyota Scion car insurance providers are State Farm, Erie, and AAA, each offering top-tier coverage tailored to different needs.

While this may seem very high to you, keep in mind that this number reflects the policies of every Scion driver, both good and bad, high risk, and low risk. It also tracks drivers with comprehensive coverage and drivers with liability car insurance coverage only. 

Our Top 10 Company Picks: Best Toyota Scion Car Insurance

The best way to find the lowest price for insurance on your Toyota Scion is to shop around. Get free Toyota Scion car insurance quotes today by entering your ZIP code into our quote tool above. 

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#1 – State Farm: Top Overall Pick

Pros

• Affordable Rates: State Farm offers competitive rates, often among the lowest for Toyota Scion insurance, making it one of the best Toyota Scion car insurance options for families with multiple vehicles. Their 13% multi-vehicle discount further enhances affordability.
• Wide Network: With an extensive network of agents and claims services nationwide, State Farm provides excellent support. Their B rating from A.M. Best reflects strong financial stability, adding reliability to their status as the best Toyota Scion car insurance provider. Find out in our guide titled “State Farm Car Insurance Review.”
• Customizable Coverage: State Farm offers flexible policy options to tailor coverage based on individual needs, ensuring it is one of the best Toyota Scion car insurance providers for those seeking personalized insurance solutions.

Cons

• Customer Service: Some users report less personalized customer service compared to smaller insurers, which may impact the experience for Toyota Scion owners who value more individualized attention. This can be a drawback for those who prefer a more hands-on approach.
• Limited Digital Features: State Farm’s mobile app and online services are less advanced, potentially affecting Toyota Scion drivers looking for modern digital management tools. This could be a disadvantage for tech-savvy users seeking better online features.

#2 – Erie: Best for 24/7 Support

Pros

• 24/7 Support: Erie provides round-the-clock customer support and claims assistance, which is a significant advantage for Toyota Scion owners needing constant accessibility. With a 10% multi-vehicle discount, Erie stands out as one of the best Toyota Scion car insurance options for continuous support.
• Excellent Customer Service: Known for high customer satisfaction, Erie offers personalized service that caters well to Toyota Scion drivers. Their A+ rating from A.M. Best underscores their reliability and quality as a leading Toyota Scion car insurance provider.
• Multi-Vehicle Discount: A 10% discount for multiple vehicles makes Erie an attractive option for Toyota Scion owners with more than one car. This discount enhances its status as one of the best Toyota Scion car insurance choices for families.

Cons

• Availability: Limited in some states, which could restrict access for Toyota Scion drivers in those regions. This limitation affects the ability to secure coverage where Erie is not available, potentially impacting those seeking the best Toyota Scion car insurance.
• Higher Premiums: Erie’s rates may be more expensive compared to other providers, particularly for younger Toyota Scion drivers. This could affect affordability for those seeking budget-friendly insurance solutions. Read more through our Erie car insurance review.

#3 – AAA: Best for Online App

Pros

• Broad Coverage Options: AAA offers extensive coverage choices and add-ons, making it a versatile option for Toyota Scion owners. With a 15% multi-vehicle discount, it is one of the best Toyota Scion car insurance options for multi-car families.
• Competitive Pricing: Competitive rates for AAA members enhance its appeal, providing cost-effective insurance for Toyota Scion drivers. Membership benefits often include additional perks, adding value to their insurance packages. Learn more through our AAA car insurance review.
• User-Friendly App: The mobile app simplifies managing policies and accessing services, offering convenience for Toyota Scion drivers who prefer digital tools. This feature makes it one of the best Toyota Scion car insurance options for tech-savvy users.

Cons

• Membership Requirement: Discounts are tied to AAA membership, which may not be cost-effective for everyone, especially Toyota Scion drivers who do not use AAA services. This could limit the overall benefit for some users.
• Varied State Coverage: The quality of coverage and service can vary by region, affecting Toyota Scion owners in states with less favorable conditions. This variability might impact those seeking consistent service across different locations.

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#4 – Farmers: Best for Local Agents

Pros

• Local Agents: Personalized service from local agents who understand regional needs provides a tailored experience for Toyota Scion drivers. Farmers offers a 12% multi-vehicle discount, making it one of the best Toyota Scion car insurance options for multi-car households. Take a look at our article titled “Farmers Car Insurance Review.”
• Accident Forgiveness: Provides accident forgiveness benefits for long-term customers, which helps keep premiums stable for Toyota Scion owners after an accident. This feature adds value by mitigating potential premium increases.
• Multi-Policy Discounts: Discounts for bundling auto with home or other policies can significantly reduce overall costs, making it a great choice for Toyota Scion owners looking to bundle insurance needs and find one of the best Toyota Scion car insurance options.

Cons

• Higher Rates for Some: Premiums can be higher, particularly for new drivers or those with less favorable records, which may impact affordability for some Toyota Scion drivers. This could make it less appealing for those seeking lower costs.
• Complex Pricing: The pricing structure may be complicated, requiring thorough review to understand, which can be challenging for Toyota Scion enthusiasts seeking straightforward insurance solutions.

#5 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Liberty Mutual offers highly customizable coverage options, ideal for Toyota Scion drivers who want tailored insurance solutions. With an 18% multi-vehicle discount, it is one of the best Toyota Scion car insurance choices for personalized coverage.
• Discounts for Safety Features: Provides discounts for vehicles with advanced safety features, which can lower premiums for Toyota Scion owners with these technologies. This feature enhances its value as one of the best Toyota Scion car insurance providers.
• Accident Forgiveness: Includes accident forgiveness to prevent rate hikes after a mishap, which benefits Toyota Scion enthusiasts who worry about premium increases. This can help maintain affordability. To see monthly premiums and honest rankings, read our guide titled “Liberty Mutual Car Insurance Review.”

Cons

• Higher Premiums: Rates can be higher compared to some competitors, which may affect Toyota Scion owners seeking more budget-friendly options. This could be a drawback for those looking to save on insurance costs.
• Customer Service: Mixed reviews on customer service, with some reports of long wait times or less satisfactory experiences, could impact Toyota Scion drivers seeking reliable and responsive support.

#6 – Geico: Best for Custom Plan

Pros

• Low Rates: Known for offering some of the most affordable rates for Toyota Scion insurance, Geico is a strong contender for the best Toyota Scion car insurance, making it ideal for cost-conscious drivers. With an A++ rating from A.M. Best and an 11% multi-vehicle discount, it provides exceptional value. Learn more about Geico’s rates in our guide titled “Geico Car Insurance Review.”
• Discounts for Multiple Vehicles: Significant savings for insuring multiple vehicles make Geico a top choice for Toyota Scion owners with more than one car. This feature positions it as one of the best Toyota Scion car insurance options available.
• Customizable Plans: Geico offers various plan options to suit different needs, ensuring Toyota Scion enthusiasts can find a policy that fits their specific requirements. This flexibility makes Geico one of the best Toyota Scion car insurance providers.

Cons

• Limited Coverage Options: Geico provides fewer options for customization compared to some competitors, which may limit choices for Toyota Scion owners seeking tailored coverage. This can be a drawback for those looking for the best Toyota Scion car insurance.
• Less Personalized Service: The larger, more automated system may provide less personalized customer service, potentially impacting the experience for Toyota Scion drivers who prefer a more hands-on approach. This could be a downside for those valuing individualized attention.

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#7 – Allstate: Best for Add-on Coverages

Pros

• Comprehensive Coverage Options: Allstate offers a wide range of coverage options and add-ons, making it ideal for Toyota Scion drivers who need extensive protection. With a 14% multi-vehicle discount, Allstate is among the best Toyota Scion car insurance providers for those seeking comprehensive coverage.
• Safe Driving Rewards: Programs like Drivewise reward safe driving, potentially reducing premiums for Toyota Scion enthusiasts who maintain good driving habits. This program enhances Allstate’s reputation as one of the best Toyota Scion car insurance options. Find more information about Allstate’s rates in our article titled “Allstate Car Insurance Review.”
• Discounts for Bundling: Attractive discounts when bundling auto with other policies, such as home insurance, make Allstate a great choice for Toyota Scion owners looking to consolidate their insurance needs. This bundling makes it one of the best Toyota Scion car insurance options.

Cons

• Higher Rates for Some Drivers: Premiums may be higher for drivers with less favorable records, which could affect affordability for some Toyota Scion drivers. This could be a concern for those seeking the best Toyota Scion car insurance.
• Complex Policies: Policy details and coverage options can be complex, requiring careful review to understand fully, which may be a challenge for Toyota Scion drivers seeking straightforward insurance solutions. This complexity can affect the overall experience for those looking for the best Toyota Scion car insurance.

#8 – Progressive: Best for Innovative Programs

Pros

• Competitive Rates: Progressive offers competitive rates and discounts, including for safe driving, making it one of the best Toyota Scion car insurance options for budget-conscious drivers. Their Snapshot program can further reduce costs.
• Customizable Coverage: Provides a wide range of coverage options and customizable plans to meet individual needs, making it a strong contender for the best Toyota Scion car insurance. This flexibility is ideal for Toyota Scion enthusiasts. Learn more about coverage options and monthly rates in our article titled “Progressive Car Insurance Review.”
• Discounts for Multiple Policies: Offers discounts for bundling car insurance with other types of coverage, such as home insurance, which can be beneficial for Toyota Scion owners looking to save. This bundling feature adds to its reputation as one of the best Toyota Scion car insurance providers.

Cons

• Higher Rates for Some: Premiums can be higher for certain drivers, such as those with less favorable driving records, which may affect affordability for some Toyota Scion drivers. This could be a drawback for those seeking the best Toyota Scion car insurance at a lower cost.
• Customer Service Variability: Some users report mixed experiences with customer service, which might impact Toyota Scion owners who value reliable and responsive support. This variability could affect the overall experience for those seeking the best Toyota Scion car insurance.

#9 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Travelers offers accident forgiveness, which helps prevent premium increases after your first accident. This makes it a strong contender for the best Toyota Scion car insurance, particularly for those concerned about keeping their rates stable.
• Comprehensive Coverage Options: Provides a wide range of coverage options and add-ons, ensuring Toyota Scion owners can tailor their policies to fit specific needs. This flexibility makes Travelers a top choice for the best Toyota Scion car insurance.
• Discounts for Bundling: Significant discounts when bundling auto insurance with other policies, such as home or renters insurance, offer added savings for Toyota Scion drivers. This bundling feature positions Travelers as one of the best Toyota Scion car insurance providers. Read more about Travelers’ ratings in our article titled “Travelers Car Insurance Review.”

Cons

• Higher Rates for Some Drivers: Travelers may have higher premiums for drivers with less favorable records, which could impact affordability for some Toyota Scion drivers. This might be a concern for those seeking the best Toyota Scion car insurance at lower costs.
• Complex Policies: The range of coverage options and policy details can be complex, requiring careful consideration to ensure the best Toyota Scion car insurance is selected. This complexity may be challenging for Toyota Scion owners who prefer straightforward policies.

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#10 – USAA: Best for Military Savings

Pros

• Low Rates for Military Members: USAA offers highly competitive rates for military members and their families, making it one of the best Toyota Scion car insurance options for those eligible. Their 19% multi-vehicle discount enhances savings for Toyota Scion drivers with multiple vehicles.
• Exceptional Customer Service: Known for its outstanding customer service, USAA provides responsive and helpful support for Toyota Scion owners. This high level of service contributes to its status as one of the best Toyota Scion car insurance providers. Find out why USAA ranks among the best providers in our article titled “USAA Car Insurance Review.”
• Strong Financial Stability: With an A++ rating from A.M. Best, USAA’s financial strength ensures reliable and stable coverage for Toyota Scion owners. This robust financial position supports its reputation as one of the best Toyota Scion car insurance options.

Cons

• Limited Eligibility: Coverage is restricted to military members and their families, which limits its availability for Toyota Scion owners outside this group. This exclusivity affects those seeking the best Toyota Scion car insurance who do not qualify.
• Higher Premiums for Certain Drivers: Some drivers may experience higher premiums compared to other providers, particularly those with less favorable driving records. This could impact affordability for Toyota Scion drivers seeking lower-cost insurance options.

Average Cost of Toyota Scion Car Insurance

The average cost of insuring a Toyota Scion is around $207 per month or $2,484 annually. The Scion, a now-discontinued sub-brand of Toyota, was introduced in 2003 to attract younger drivers with its stylish, affordable, and sporty vehicles.

Despite ending production in 2016, Scions remain popular on the roads today, and insurance rates can vary widely based on several factors. Insurance companies consider the vehicle’s value, the driver’s age and safety record, and more when calculating premiums.

Toyota Scion Car Insurance Monthly Rates by Coverage Level & Provider

Additionally, the specific model of Scion you drive plays a role in determining your insurance costs. For instance, the sportier Scion tC RS may be more expensive to insure than the more basic Scion xD. While Scions are not necessarily expensive to insure, younger drivers under 25 may face higher premiums.

However, maintaining a clean driving record can help you qualify for a safe driver car insurance discount, potentially lowering your rates. It’s crucial to compare quotes from different insurance providers to find the best coverage at a competitive rate.

USAA, State Farm, and Progressive typically offer the most affordable rates, while Allstate and Liberty Mutual are on the higher end. Ultimately, the best insurance company for your Toyota Scion is one that balances cost with the coverage you need. Enter your ZIP code now to begin comparing.

Impact of Driving Record to Your Car Insurance Rates

Your driving record has a significant impact on your Toyota Scion car insurance rates, just as it does for any vehicle. Even a single traffic violation, such as an accident, DUI, or speeding ticket, can lead to substantial increases in your insurance premiums.

As shown, even a minor incident can result in a rate hike of hundreds of dollars, while multiple high-risk violations can cause your premiums to skyrocket, potentially costing you thousands more than a driver with a clean record.

Practicing safe driving is not only crucial for your safety on the road but also for keeping your insurance costs down. Additionally, it’s wise to compare comprehensive car insurance policies to ensure you’re getting the best coverage at the most affordable rate.

Many insurance providers offer substantial discounts to drivers who maintain a claim-free record for several years, rewarding safe driving habits with lower premiums.

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Saving Money on Toyota Scion Car Insurance Rates

To save money on your Toyota Scion car insurance rates, it’s essential to shop around and compare quotes from multiple companies. Whether you’re looking for insurance costs for the Toyota Scion tC or FR-S, using free quote tools can streamline the process and help you find the best rates in one convenient location.

Beyond shopping around, consider the safety features and anti-theft devices installed in your Scion, as these can lower your insurance costs. Insurance companies often offer discounts for vehicles equipped with features like adaptive cruise control or VIN etching, so it’s crucial to explore any discounts you might qualify for.

Common discounts include safe driver, multi-car or multi-policy, and good student discounts. Opting for a higher deductible, such as $1,000 instead of the more common $250 to $500, can also reduce your premiums, though you’ll need to ensure you have enough savings to cover the deductible in case of an accident

For those using their Toyota Scion for business purposes, it’s equally important to compare commercial car insurance to ensure you’re getting the best coverage for your needs. Enter your ZIP code now to begin comparing.

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