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How much does it cost to insure my Scion Fr-s?
Nicholas Hinrichsen - Published: August 23, 2020
This guide compares auto insurance rates for a specific make and model, as well as provides data for the average values and payback periods.
Scion Fr-s Insurance Quick Facts:
Average car insurance rate: $99 per month or $1,188 per year
Average cost to to insure a Scion Fr-s: $2,187
Cheapest Year to Insure: 2014
Fr-s vs. average vehicle insurance cost: $999 above average) average vehicle
Compare Scions Car Insurance Rates Across Years:
There are an endless number of options available when it comes to auto insurance. Quotes given by insurance companies are dependent on a variety of different factors such as the vehicle’s make and model, the driver’s age and driving record, and credit score (among others).
As some general rules to saving on your insurance policy:
Lower coverage limits are often cheaper (you can reduce deductible, collision, comprehensive, or liability coverages individually)
Good drivers (with the driving record to prove it) generally receive better rates
Cars with more safety features (and those that do better in crash tests) will typically be cheaper
Below is a table of the average insurance costs nationwide to insure a Scion Fr-s across various years. These quotes are provided by a number of insurance providers (such as AllState, Geico, Progressive, State Farm, Liberty Mutual, and others):
- 2013: $2,029 ($841 above average)
- 2014: $1,183 ($5 below average)
- 2015: $2,651 ($1,463 above average)
- 2016: $2,886 ($1,698 above average)
If some of these figures surprise you - you can get a free insurance quote by comparing offers from TheZebra.com. They help find the best car insurance for your needs and take into account your entire driving history, vehicle location, and try to match your coverage amongst several car insurance companies.
Scion Replacement Payback:
You might notice that car insurance costs don’t vary a ton by model year for some of the makes and models. The vehicle replacement cost however, does vary a lot by year (since older vehicles are inherently cheaper).
Why is this? Primarily two reasons:
Repair costs don't vary that much: In many cases when a vehicle is damaged, the cost to repair doesn't vary highly by year. While a 2015 model is worth less than a 2019 the cost to replace a fender or blown airbag on each vehicle is often the same.
About 1/3 of insurance premium goes to "non-car" coverage for covering bodily and personal injury, property damage, medical payments when a collision injures individuals or property separate from the vehicle.
In order to make the insurance comparison more relevant let’s also evaluate a new metric called replacement timeline. For this replacement timeline we’ll examine how many months of insurance premiums it would take to purchase a complete replacement car (e.g. assume you can complete total your car every few months):
- 2016: $18,840 (78 months to replace)
- 2015: $14,198 (64 months to replace)
- 2014: $15,099 (153 months to replace)
- 2013: $12,338 (72 months to replace)
Refinance a Scion Fr-s:
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