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Overpaying on car insurance?

Overpaying on car insurance?

Overpaying on car insurance?

Overpaying on car insurance?

How Much Does Scion FR-S Insurance Cost?

scion frs insurance cost
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Scion was a subdivision of Toyota that operated between 2003 and 2016. The Scion FR-S was the brand’s sport-oriented sedan produced between 2012 and 2016. Although now in production as the Toyota 86, many drivers still own these vehicles and require affordable insurance. If you’re looking to insure your FR-S, it might be helpful to learn more about average rates for these vehicles.

Scion FR-S Features

When determining the cost of insurance for vehicles, providers often assess their safety features and reliability. This can help them understand how likely a vehicle will suffer damage in accidents or experience mechanical failure. The Scion FR-S has several features that might affect how insurance carriers price your policy. Another important factor that insurance companies consider is the original price of the vehicle.

Although prices can vary based on year and trim, the Scion FR-S is usually a reasonably-priced car, which may reduce insurance prices. However, the FR-S is also a sports car, which makes it more likely that owners will drive it fast, making it more expensive to insure than other cars. These are some of the primary features of the FR-S that may affect the price of your coverage:

  • Six airbags: The Scion FR-S includes side curtain airbags, as well as front airbags for the driver and passenger. This contributes to the safety of the vehicle and may lower insurance costs.
  • Stability and traction control: These features help the FR-S maintain traction through automatic braking and engine power modulation. This advanced safety feature can help drivers avoid accidents and reduce FR-S drivers’ rates.
  • Smart stop technology: The smart stop feature can help bring the FR-S to a stop if the accelerator becomes stuck or if the driver accelerates accidentally. This feature may positively affect your rates.
  • Anti-lock brakes: Anti-lock brakes keep the brakes from locking up if the driver has to make a sudden, hard stop, preventing a skid and loss of control.

Scion FR-S Insurance Rates by Year

The age of your car can have a big impact on the prices you pay for insurance. In some cases, an older car may have a lower original cost, making the insurance less expensive. In other cases, Insurance companies may consider old cars a greater risk due to their risk of mechanical failure. Either way, your insurance agent will want to know the year your car was made since it will affect the final price. Here are the average annual insurance costs for the FR-S by year, according to The Zebra:

  • 2016 Scion FR-S: average annual payment of $2,886
  • 2015 Scion FR-S: average annual payment of $2,651
  • 2014 Scion FR-S: average annual payment of $1,183
  • 2013 Scion FR-S: average annual payment of $2,029

Scion FR-S Insurance Rates by Carrier

Each insurance carrier calculates risk differently and gives varying amounts of weight to different factors. That’s why it’s important to speak to representatives from different providers and get specific quotes for your car. According to The Zebra, these are the average yearly rates for some of the most popular carriers in the country:

  • Tennessee Farmers: $1,464
  • Acuity: $1,445
  • GEICO: $1,421
  • Vermont Mutual: $1,382
  • State farm: $1,346
  • Mercury: $1,315
  • American Family: $1,277
  • Progressive: $1,246
  • Plymouth Rock Insurance: $1,151
  • USAA: $1,084
  • Quincy Mutual: $1,051
  • Erie: $1,012

What Affects Your Insurance Rates?

There are various factors that can affect the final price you pay for insurance. These are some of the most common elements that contribute to your insurance costs:

  • Age: One of the most important factors affecting your insurance prices is your age. Although individual policies differ, insurance cost usually decreases as the driver ages.
  • Gender: In most states, young men pay the most for insurance, especially if they are under the age of 25. However, some states don’t allow insurance costs to change based on gender, including Massachusetts, Michigan, Hawaii, Pennsylvania, Montana, and North Carolina.
  • Driving history: Insurance companies usually consider individuals with multiple traffic violations as high-risk policyholders and charge them more for insurance. Because of this, it’s important to drive safely and maintain a clean driving record.
  • Location: Location is one of the most important pieces of information that insurance providers need to give you a quote. In most cases, drivers in urban areas pay more for insurance than rural drivers because of the increased risk of accidents and theft.
  • Discounts: Many insurance companies offer special discounts for married couples, military veterans, long-time customers, and multiple policyholders. These discounts can significantly reduce rates for many customers.
  • Bundles: In some cases, insurance companies give their customer the ability to combine several different policies, also called “bundling.” This allows customers to get lower rates by purchasing their car insurance along with renters, homeowners, life, pet, farm, or other policies.
  • Telematics: Telematics allow insurance companies to set ultra-personalized rates by tracking the driving habits of their customers. Customers who don’t speed, as well as accelerate, turn, and brake gently and safely, can get significant savings from these programs.
  • Credit history: Credit history is often a major factor in your final insurance rates. Many companies perceive customers with low credit as riskier and may charge them more.

How To Get Better Rates on Your Insurance

These are a few simple steps you can take to get a better rate:

  • Shop around: Get accurate quotes from a range of providers and compare.
  • Look for discounts: Ask your agent if you qualify for discounts.
  • Telematics: Enroll in a telematics program.
  • Drive safely: Maintain a clean record and drive safely.
  • Bundling: Bundle your auto insurance with your homeowner’s, renter’s, or motorcycle policies.
  • Double check: Review your current policy and make sure you’re only paying for what you need.

That’s a quick overview of what you can expect when looking for an insurance policy for your Scion FR-S. As you can see, it’s not the cheapest vehicle to insure, but with some careful shopping, you can find a rate that works for you. Remember that insurance prices can change rapidly, and it’s important to speak directly with an insurance agent to get the most accurate current quote for your FR-S.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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