Cheap Scion FR-S Car Insurance in 2025 (Secure Low Rates With These 10 Companies)

Travelers, Auto-Owners, and State Farm offer the cheapest Scion FR-S car insurance, with rates starting as low as $30 per month.

These top providers excel in delivering both affordability and comprehensive coverage. Travelers stands out as the best option overall due to its combination of competitive premiums and exceptional service.

Our Top 10 Company Picks: Cheap Scion FR-S Car Insurance

Explore these choices to find the best value and protection for your Scion FR-S. Avoid overpaying for your car insurance by entering your ZIP code above in our free comparison tool to find which company has the lowest rates.

#1 – Travelers: Top Overall ick

Pros

• Competitive Premiums: Travelers offers some of the most competitive rates for Scion FR-S insurance, making it an attractive option for cost-conscious drivers. Their pricing for Scion FR-S insurance is often lower than many other insurers in the market, providing substantial savings, as mentioned in the Travelers insurance review & ratings.
• Comprehensive Coverage Options: Travelers provides a wide range of coverage options tailored to the Scion FR-S, including accident forgiveness and new car replacement. This comprehensive coverage for the Scion FR-S ensures that you’re well-protected in various scenarios.
• Flexible Payment Plans: Travelers offers flexible payment plans for Scion FR-S insurance, allowing policyholders to choose from monthly, quarterly, or annual payments. This flexibility helps accommodate different budget preferences and financial situations for Scion FR-S owners.

Cons

• Limited Discounts: Despite its competitive rates, Travelers offers fewer discounts compared to some other insurers. This may limit your potential savings on Scion FR-S insurance, especially if you are used to taking advantage of a variety of discount options.
• Higher Rates for Young Drivers: Travelers’ premiums for Scion FR-S insurance can be notably higher for younger or less experienced drivers. This can be a significant factor if you have a younger driver on your Scion FR-S policy, as it might affect the overall cost.

#2 – Auto-Owners: Best for High Coverage Limits

Pros

• High Coverage Limits: Auto-Owners offers high coverage limits, which is beneficial for insuring a high-value vehicle like the Scion FR-S. This provides extra peace of mind knowing that your Scion FR-S coverage can handle substantial claims, as highlighted in the Auto-Owners insurance review & ratings.
• Customizable Policies: This insurer provides highly customizable policy options for Scion FR-S insurance, allowing you to tailor coverage to your specific needs. Whether you want additional roadside assistance or higher liability limits for your Scion FR-S, Auto-Owners can accommodate your preferences.
• Robust Claims Process: Auto-Owners is praised for its efficient and effective claims processing. Scion FR-S owners can expect a smooth experience when filing claims, with timely resolutions and clear communication throughout the process, which contributes to a positive overall insurance experience.

Cons

• Availability: Auto-Owners is not available in all states, which can be a limitation if you live in an area where they do not operate. This may restrict access to their potentially beneficial Scion FR-S coverage options.
• Potentially Higher Premiums: Depending on your driving history and risk profile, Auto-Owners premiums for Scion FR-S insurance can be higher than some competitors. This might be a consideration if you have a history of claims or high-risk factors.

#3 – State Farm: Best for Affordable Rates

Pros

• Affordable Rates: State Farm is known for its affordable insurance rates, particularly for vehicles like the Scion FR-S. They offer competitive pricing that can help you save money on Scion FR-S insurance premiums.
• Extensive Coverage Options: State Farm provides a broad range of coverage options for Scion FR-S insurance, including comprehensive and collision coverage, roadside assistance, and rental car coverage. This extensive range ensures that you can find the protection you need for your Scion FR-S in various scenarios.
• Comprehensive Online Tools: State Farm offers a user-friendly online platform for managing your Scion FR-S policy, obtaining quotes, and filing claims. Their website and mobile app provide convenient access to insurance management tools, making it easy for policyholders to handle their insurance needs efficiently.

Cons

• Customer Service Variability: While State Farm generally has good customer service, experiences can vary depending on the location and individual agents. This variability can sometimes affect the overall quality of service you receive for Scion FR-S insurance.
• Higher Rates for High-Risk Drivers: If you have a history of traffic violations or poor credit, State Farm’s premiums for Scion FR-S insurance may be higher compared to other insurers. This can result in increased costs if you fall into a higher-risk category, as noted in the State Farm insurance review & ratings.

#4 – Geico: Best for Low Premiums

Pros

• Low Premiums: Geico is renowned for its low premiums, making it an excellent choice for budget-conscious Scion FR-S owners. Their rates for Scion FR-S insurance are often among the lowest in the industry, providing significant savings.
• Wide Range of Discounts: Geico offers a variety of discounts on Scion FR-S insurance, including those for good driving records, multi-policy holders, and military personnel. These discounts can further reduce your insurance costs, as highlighted in the Geico Car Insurance Discounts.
• User-Friendly Online Tools: Geico provides excellent online tools and resources for managing Scion FR-S insurance policies, obtaining quotes, and filing claims. Their user-friendly website and mobile app make it easy to handle insurance tasks for your Scion FR-S.

Cons

• Limited Local Agent Support: Geico’s focus on online and phone support means there are fewer local agents available for face-to-face assistance with Scion FR-S insurance. This can be a drawback if you prefer in-person interactions or personalized service.
• Basic Coverage Options: While Geico offers competitive pricing, its basic coverage options for Scion FR-S insurance may not be as comprehensive as those provided by some other insurers. This could be a concern if you need specialized coverage for your Scion FR-S.

#5 – The Hartford: Best for Affordable Rates

Pros

• Affordable Rates: The Hartford provides competitive rates for Scion FR-S insurance, often offering lower premiums than many other insurers. This makes it a good choice for cost-effective Scion FR-S coverage.
• Accident Forgiveness: The Hartford includes accident forgiveness in its policies, which can help prevent your Scion FR-S insurance premiums from increasing after a first at-fault accident. This feature is particularly valuable for maintaining lower insurance costs, as highlighted in the The Hartford insurance review & ratings.
• Bundling Discounts: The Hartford provides opportunities for policyholders to save through bundling discounts. By combining auto insurance with other types of insurance, such as home or renters insurance, Scion FR-S owners can take advantage of reduced rates and lower overall insurance costs.

Cons

• Limited Coverage Options: The Hartford may offer fewer optional coverage add-ons compared to other insurers for Scion FR-S insurance. This limitation can affect your ability to customize your policy to fit specific needs.
• Higher Rates for Younger Drivers: Premiums for Scion FR-S insurance can be higher for younger or less experienced drivers with The Hartford, which might impact the overall affordability if you have a younger driver on your policy.

#6 – Nationwide: Best for Competitive Premiums

Pros

• Competitive Premiums: Nationwide offers affordable premiums for Scion FR-S insurance, with competitive pricing that can help you save on insurance costs for your Scion FR-S.
• Comprehensive Coverage Options: Provides a wide range of coverage options for Scion FR-S insurance, including comprehensive and collision coverage, which ensures that you have protection for various situations.
• Discount Opportunities: Nationwide offers several discount opportunities that can help reduce the overall cost of insurance for Scion FR-S drivers. Discounts may be available for good driving records, multi-policy bundles, and safety features installed in the vehicle. These discounts can contribute to lower premiums and make insurance more affordable.

Cons

• Higher Rates for High-Risk Drivers: Premiums for Scion FR-S insurance may be higher for drivers with a history of claims or poor credit with Nationwide, which could affect the overall affordability if you fall into a higher-risk category, as noted in the Nationwide insurance review & ratings.
• Variable Local Service: As with many large insurers, the quality of customer service for Scion FR-S insurance can vary depending on the local agents and locations.

#7 – Amica: Best for Affordable Rates

Pros

• Affordable Rates: Amica is known for offering competitive rates for Scion FR-S insurance, often providing lower premiums compared to other insurers, as detailed in the Amica Homeowners Insurance Review.
• Flexible Coverage Options: Offers flexible coverage options and policy add-ons for Scion FR-S insurance that can be tailored to your specific needs, providing a customized insurance experience.
• Discount Opportunities: Amica offers a range of discounts that can help lower the cost of insurance for Scion FR-S drivers. Discounts may include those for safe driving records, bundling multiple policies, and installing safety features in the vehicle. These discounts can contribute to reduced premiums and increased savings for policyholders.

Cons

• Limited Local Agents: Amica’s focus on direct-to-consumer sales means there are fewer local agents available for personalized assistance with Scion FR-S insurance, which might be a drawback if you prefer face-to-face interactions.
• Higher Rates for Certain Profiles: Premiums for Scion FR-S insurance can be higher for drivers with less favorable risk profiles, such as those with a history of claims or poor credit.

#8 – Farmers: Best for Competitive Premiums

Pros

• Competitive Premiums: Farmers offers competitive rates for Scion FR-S insurance, with a variety of discounts available to help reduce overall costs, as highlighted in the Farmers insurance review & ratings.
• Extensive Coverage Options: Provides a broad range of coverage options, including specialized policies for sports cars like the Scion FR-S. This ensures that you can find the right protection for your Scion FR-S.
• Customizable Policies: Farmers allows for high levels of customization in their insurance policies. Policyholders can adjust their coverage limits, add optional features, and select the types of coverage that best fit their needs. This flexibility helps tailor the insurance policy to specific requirements and preferences of Scion FR-S drivers.

Cons

• Higher Premiums for High-Risk Drivers: Farmers may charge higher premiums for high-risk drivers or those with a history of claims, which can impact overall affordability for Scion FR-S insurance.
• Complex Policy Options: The range of coverage options for Scion FR-S insurance can be complex, and understanding all the available choices might require careful review and consultation.

#9 – Allstate: Best for Competitive Rates

Pros

• Competitive Rates: Allstate provides competitive premiums for Scion FR-S insurance, with potential savings through various discounts and coverage options.
• Comprehensive Coverage: Offers a wide range of coverage options for Scion FR-S insurance, including comprehensive and collision coverage, as well as specialized features like new car replacement.
• Innovative Tools and Resources: Allstate provides innovative tools and resources, including their Drivewise app, which tracks driving behavior and rewards safe driving with discounts. This app-based program offers additional ways to save on insurance and promotes safer driving habits among Scion FR-S drivers.

Cons

• Higher Rates for Young Drivers: Premiums for Scion FR-S insurance can be significantly higher for younger or less experienced drivers with Allstate, which may affect overall affordability.
• Limited Discount Availability: Some discounts for Scion FR-S insurance may not be available in all areas or for all drivers, potentially limiting your ability to save on premiums, according to Allstate insurance review & ratings.

#10 – Liberty Mutual: Best for Affordable Premiums

Pros

• Affordable Premiums: Liberty Mutual offers competitive rates for Scion FR-S insurance, with various discounts that can help lower your premiums, as mentioned in the Liberty Mutual Review & Ratings.
• Comprehensive Coverage: Provides a wide range of coverage options for Scion FR-S insurance, including specialized coverage for sports cars and additional features such as roadside assistance.
• Good Online Tools: Liberty Mutual’s online tools and resources are user-friendly, allowing you to manage your Scion FR-S policy, obtain quotes, and file claims with ease.

Cons

• Customer Service Variability: The quality of customer service for Scion FR-S insurance can vary depending on the location and individual agents, which might impact your overall experience.
• Higher Rates for High-Risk Drivers: Premiums for Scion FR-S insurance may be higher for drivers with a history of claims or poor credit with Liberty Mutual, affecting affordability for those with higher risk profiles.

Factors Influencing Scion FR-S Insurance Rates

When it comes to determining the cost of Scion FR-S car insurance, several factors come into play. Insurance providers take into consideration elements such as the driver’s age, driving experience, location, and the vehicle itself. The age and driving experience of the policyholder are crucial as they give insurers an idea of the driver’s risk profile.

Younger and inexperienced drivers may face higher insurance rates due to the higher likelihood of accidents or claims. Additionally, the location where the vehicle is primarily driven and parked can impact insurance prices, with areas prone to theft or accidents often resulting in higher premiums. Vehicle safety features, such as anti-lock brakes, airbags, and anti-theft devices, can also influence insurance rates.

Scion FR-S Car Insurance Monthly Rates by Coverage Level & Provider

Another factor that can influence Scion FR-S car insurance rates is the driver’s record of traffic violations and accidents. Insurance providers often consider a driver’s history of speeding tickets, DUIs, and at-fault accidents when determining the cost of insurance.

Drivers with a clean record are generally seen as less risky and may be eligible for lower insurance premiums. The type of coverage and deductible chosen by the policyholder can also impact Scion FR-S car insurance rates.

Comprehensive coverage, which provides protection against theft, vandalism, and other non-collision incidents, typically results in higher premiums compared to basic liability coverage. Additionally, opting for a lower deductible means the policyholder will have to pay less out of pocket in the event of a claim, but it can also lead to higher insurance rates.

Analyzing the Average Cost of Scion FR-S Car Insurance

When considering the cost of Scion FR-S car insurance, it’s essential to look at the averages. Keep in mind that insurance rates can vary depending on several factors, including your location, driving history, and selected coverage options. On average, the cost of insuring a Scion FR-S can range from $125 to $210 per month.

🔔 #SafeDrivingTip: Turning on your phone’s “do not disturb” function before you begin driving can help reduce the temptation to browse online at a red light or immediately respond to a text message.

Find more tips from the @NatlDDCoalition: https://t.co/iS4wx4sbQW #FocusOn pic.twitter.com/y0btT0vBOt

— Travelers (@Travelers) October 19, 2023

However, it’s crucial to obtain personalized quotes from insurance providers to get an accurate estimate for your specific circumstances. Factors such as your age, gender, and credit score can also impact the cost of Scion FR-S car insurance. Younger drivers and those with a history of accidents or traffic violations may face higher premiums.

Additionally, maintaining a good credit score can often result in lower insurance rates. It’s important to consider these factors and shop around for the best insurance options to ensure you’re getting the most affordable coverage for your Scion FR-S. Discover our comprehensive guide to “Insurance Quotes Online” for additional insights.

Factors in Scion FR-S Insurance Premiums

Calculating insurance premiums for your Scion FR-S involves considering various factors. Insurance companies take into account the driver’s age and driving record, as well as the location where the vehicle is primarily driven and stored. Additionally, insurers will assess the value, year, and model of your Scion FR-S.

Other elements that can influence premiums include the coverage options you choose, your deductible amount, and discounts you may qualify for. By understanding these factors, you can better gauge the cost of insurance for your Scion FR-S.

Another important factor to consider when calculating Scion FR-S car insurance premiums is the usage of the vehicle. Insurance companies will take into account whether the car is used for personal or business purposes, as well as the estimated annual mileage. For further details, check out our in-depth “How does the insurance company determine my premium?” article.

Vehicles that are driven more frequently or for commercial purposes may have higher insurance premiums due to the increased risk of accidents or damage. It is important to accurately disclose the usage of your Scion FR-S to ensure that you have the appropriate coverage and that your premiums are calculated correctly.

Scion FR-S Insurance Coverage Options

When it comes to Scion FR-S car insurance, there are various coverage options available. Understanding these options can help you select the insurance plan that best suits your needs. The most common coverage types include liability insurance, collision insurance, comprehensive insurance, and uninsured/underinsured motorist coverage.

Liability insurance is typically required by law and covers damages to third parties. Collision insurance covers damage to your vehicle in the event of an accident, while comprehensive insurance protects against non-collision-related damage. Uninsured/underinsured motorist coverage provides protection in case you are involved in an accident with a driver who does not have sufficient insurance.

Tips for Finding Affordable Scion FR-S Car Insurance Rates

While the cost of Scion FR-S car insurance can sometimes be high, there are several strategies you can employ to find affordable rates. First and foremost, it’s crucial to shop around and obtain quotes from multiple insurance providers. This will allow you to compare prices and coverage options. Learn more by visiting our detailed “How to Get Free Insurance Quotes Online” section.

Additionally, maintaining a clean driving record can help secure lower insurance premiums. Taking advantage of available discounts, such as safe driver discounts, bundled insurance policies, and low mileage discounts, can also contribute to lower rates. Finally, consider raising your deductible to reduce monthly premiums.

Comparing Scion FR-S Insurance Quotes

One of the most efficient ways to find the best Scion FR-S car insurance rates is to compare and contrast quotes from different insurance providers. While the cost of car insurance is an essential factor, it’s also crucial to consider the level of coverage provided. Dive deeper into “Compare Car Insurance Quotes” with our complete resource.

Some insurance plans may offer additional benefits, such as roadside assistance or rental car coverage, which can be valuable considerations. By obtaining quotes from various providers, you can make an informed decision based on both price and coverage.

How Age and Experience Affect Scion FR-S Insurance Rates

As mentioned earlier, age and driving experience can significantly impact Scion FR-S car insurance rates. Younger and less experienced drivers may face higher premiums due to a higher likelihood of accidents. Read our extensive guide on “What age do you get cheap car insurance?” for more knowledge.

Insurance providers consider more experienced drivers to be less risky and often offer lower rates to those with a solid driving history. It’s important to keep in mind that as a driver gains more experience and reaches certain age milestones, insurance premiums may decrease.

Location’s Impact on Scion FR-S Insurance Costs

The location where your Scion FR-S is primarily driven and stored can impact the cost of car insurance. High-traffic areas and regions with a high number of accidents or thefts often result in higher insurance rates. Insurance companies use statistical data to assess the risk associated with different locations.

Even within the same state or city, insurance rates can vary based on factors such as crime rates, population density, and the average number of accidents reported in the area. Expand your understanding with our thorough “How much is car insurance?” overview.

Vehicle Safety Features and Scion FR-S Insurance Premiums

Equipping your Scion FR-S with advanced safety features can have a positive impact on insurance premiums. Insurance providers often offer discounts for vehicles equipped with safety features such as anti-lock brakes, airbags, and anti-theft devices.

These features can reduce the risk of accidents or theft, resulting in lower insurance premiums. When purchasing a Scion FR-S, consider opting for models equipped with these safety features to potentially secure more affordable car insurance rates. For more information, explore our informative “What is the difference between a deductible and a premium in car insurance?” page.

Scion FR-S Insurance Discounts and Savings

To find affordable Scion FR-S car insurance rates, it’s important to explore the various discounts and savings opportunities available. Insurance providers often offer discounts for safe driving records, completion of defensive driving courses, and maintaining a low mileage count. Continue reading our full “Car Insurance Discounts by Age” guide for extra tips.

Bundling your car insurance with other policies, such as homeowner’s insurance, can also result in discounted rates. Additionally, some insurers provide loyalty discounts for customers who have been with them for an extended period. By exploring these various avenues, you can potentially find ways to lower your insurance premiums.

Common Scion FR-S Insurance Mistakes to Avoid

When purchasing Scion FR-S car insurance, it’s essential to be aware of common mistakes that can lead to higher premiums or inadequate coverage. One common mistake is not thoroughly researching and comparing quotes from different insurance providers. Failing to provide accurate information when obtaining quotes can also lead to inaccurate estimates.

It’s important to disclose any modifications or customizations made to your Scion FR-S as these can impact coverage and rates. Finally, avoiding the mistake of underinsuring your vehicle and instead opting for comprehensive coverage is crucial to ensure adequate protection in various scenarios. Get more insights by reading our expert “Commonly Misunderstood Insurance Concepts” advice.

Tips to Lower Scion FR-S Insurance Premiums

If you’re looking to lower your Scion FR-S car insurance premiums without sacrificing coverage, there are several tips you can follow. First, consider raising your deductible. A higher deductible can result in lower monthly premiums. Additionally, maintaining a clean driving record and avoiding accidents or traffic violations can help secure lower rates over time.

Exploring the discounts and savings opportunities mentioned earlier can also contribute to decreased premiums. Remember, it’s important to find a balance between cost and coverage to ensure adequate protection for your Scion FR-S. Explore our detailed analysis on “Can I bundle my car insurance with other policies?” for additional information.

Modifications and Scion FR-S Insurance Rates

Modifications and customizations made to your Scion FR-S can impact your car insurance rates. Adding aftermarket parts or making significant changes to the vehicle’s appearance can increase the cost of insurance. Discover our comprehensive guide to “Can I get car insurance for a car that is modified or customized?” for additional insights.

Insurance providers assess modifications by considering factors such as the value of the additions and the potential impact on the vehicle’s safety. It’s crucial to inform your insurance provider of any modifications made to your Scion FR-S to ensure you have the proper coverage in place.

Driving Record’s Impact on Scion FR-S Insurance Costs

Holding a good driving record is crucial when it comes to securing affordable Scion FR-S car insurance rates. Insurance providers consider your driving history as an indication of your risk profile. A clean driving record, with no accidents or traffic violations, can result in lower premiums.

On the other hand, a history of accidents or moving violations may lead to higher insurance rates. It’s important to drive safely and responsibly to maintain a good driving record and secure more affordable insurance coverage.

Comprehensive vs. Liability Coverage for Scion FR-S

When selecting Scion FR-S car insurance, you may have the choice between comprehensive coverage and liability-only coverage. Comprehensive coverage provides protection against a broader range of risks, including theft, vandalism, and non-collision-related damage.

On the other hand, liability-only coverage is the minimum legal requirement and covers damages to third parties. The choice between the two depends on your individual needs and preferences.

While comprehensive coverage offers more extensive protection, it comes at a higher cost. Liability-only coverage is more budget-friendly but may leave you financially vulnerable in certain situations. For further details, check out our in-depth “Liability Insurance: A Complete Guide” article.

Navigating the Claims Process for Scion FR-S Car Insurance

In the unfortunate event of an accident or damage to your Scion FR-S, it’s crucial to understand how to navigate the claims process for car insurance. Start by reporting the incident to your insurance provider as soon as possible. Provide accurate and detailed information about the accident, including all parties involved and any witnesses.

Your insurance company will guide you through the necessary steps to file a claim and assess the damages. Keep in mind that your ability to provide sufficient documentation and cooperate with the claims process is essential to obtaining a fair settlement. By understanding the various factors that influence Scion FR-S car insurance rates, you can make an informed decision when it comes to insuring your vehicle.

From considering factors such as age, driving experience, and location to exploring coverage options and finding ways to lower premiums, taking the time to research and understand car insurance can result in a more cost-effective and comprehensive coverage plan. Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.

Remember to compare quotes from different providers, maintain a good driving record, and stay informed about any changes in the insurance industry that may affect your Scion FR-S car insurance rates. Learn more by visiting our detailed “How can I track the progress of my car insurance claim?” section.