Orlando Harmon
The Scion FR-S is a six-speed sports coupe that was created through a partnership between Toyota and Subaru. While the Scion brand has been discontinued, the FR-S remains a popular model on the resale market. As a sports car, the FR-S is generally more expensive to insure than other vehicles. Insurance rates for the Scion FR-S vary depending on factors such as the model year, safety rating, location, driving history, and coverage choices.
| Characteristics | Values |
|---|---|
| Insurance Cost | $164 to $389 per month |
| Insurance Cost compared to average vehicle insurance cost | $34 more expensive than the average vehicle |
| Average 2023 rates compared to the national average | Higher than the national average for vehicles but not outrageously expensive |
| Factors that impact insurance cost | Make and model of the vehicle, location, driving history, safety rating, coverage choices, age, gender, education, driving record, etc. |
| Ways to save on insurance cost | Compare quotes from different carriers, take advantage of carrier discounts, bundle with other insurance policies, safe and low-mileage driving, use of safety features, etc. |
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What You'll Learn
- The Scion FR-S is a sports car, which are typically more expensive to insure
- The age of the driver can impact the insurance cost of a Scion FR-S
- Safety ratings and features can influence the insurance price
- The location of the driver can affect the insurance premium
- The Scion FR-S's parts are available through Toyota and the aftermarket
The Scion FR-S is a sports car, which are typically more expensive to insure
The Scion FR-S is a sports car, and sports cars are typically more expensive to insure. This is due to a number of factors, including the car's total value, the risk of speeding and dangerous driving, and the price of parts. While the Scion FR-S has a lower manufacturer-suggested retail price than many other sports cars, its insurance costs are still higher than the national average.
The cost of insuring a Scion FR-S can vary depending on a number of factors, including the model year, the driver's personal rating factors, coverage selections, and the chosen insurance carrier. For example, a 2014 FR-S with 30,000 miles driven by a 19-year-old costs $1050 every 6 months with full coverage. On the other hand, a 29-year-old driver from a rural area reported paying only $80/month for full coverage on their 2016 FR-S.
The safety rating of the Scion FR-S can also impact insurance costs. The 2016 model received a 5-star overall crash-test rating from the National Highway Traffic Safety Administration, which may help lower insurance premiums. Additionally, safety features such as anti-lock braking systems, alarms, and airbags can also help reduce insurance costs.
To save money on Scion FR-S insurance, it is recommended to shop around for coverage and take advantage of carrier discounts. Bundling policies, such as renters or homeowners insurance with car insurance, can also help reduce premiums. Comparing quotes from different insurance companies and taking into account factors such as location and driving history can help drivers find the best coverage at the most affordable price.
While the Scion FR-S may be more expensive to insure than some other vehicles, there are still ways to keep costs down. Safe and low-mileage driving, as well as taking advantage of discounts and shopping around for the best rates, can help FR-S owners find affordable insurance coverage for their sports car.
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The age of the driver can impact the insurance cost of a Scion FR-S
The age of the driver can significantly impact the insurance cost of a Scion FR-S. Generally, younger and less experienced drivers are considered "high-risk" and are charged higher premiums. The cost of insurance for a 16-year-old driver could be the most expensive, with rates decreasing as the driver's age and driving experience increase. For example, a 20-year-old driver may find reduced insurance costs by enrolling in a defensive driver training course or maintaining good grades. Male drivers may also be subject to higher premiums than female drivers, as accident statistics show that men and teen drivers are more likely to be involved in crashes.
The age of the driver is not the only factor influencing insurance costs for a Scion FR-S. The vehicle's make and model, and safety rating can also impact the price of insurance. As a sports car, the Scion FR-S may be subject to increased premiums due to its total value and the perceived risk of speeding and dangerous driving. Additionally, the price of parts and components can affect insurance costs, with original manufacturer parts potentially being more expensive.
Location can also play a role in determining insurance rates, with certain states and regions having higher or lower average costs. The driver's residential neighbourhood and driving history, including any accidents or tickets, can further influence the insurance premium. It is worth noting that insurance rates may decrease over time as the car ages, provided the driver maintains a clean driving record.
Comparing quotes from different insurance carriers and taking advantage of available discounts can help drivers find the most affordable coverage for their Scion FR-S. While insurance costs may be higher for younger drivers, maintaining a clean driving record and taking proactive measures, such as defensive driving courses, can help mitigate these costs over time.
In summary, the age of the driver is a crucial factor in determining the insurance cost of a Scion FR-S, with younger drivers typically facing higher premiums due to their perceived risk. However, various other factors related to the vehicle and the driver's experience and location also contribute to the overall insurance cost.
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Safety ratings and features can influence the insurance price
Safety ratings and features can significantly influence the insurance price of a vehicle. The Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA) are the primary organizations responsible for conducting safety tests and providing vehicle ratings. These ratings consider various factors, including crashworthiness, crash avoidance features, and overall vehicle design.
Vehicles with higher safety ratings are generally associated with lower accident rates, fewer severe injuries, and safer driving records. Consequently, insurance companies view these cars as lower risk and often offer lower insurance premiums for them. Safety features such as airbags, anti-lock brakes, seat belts, daytime running lights, and anti-theft devices are now standard on most vehicles. However, some cars have additional safety features, such as advanced driver assistance systems, automatic emergency braking (AEB), lane departure warning systems, blind spot monitoring, and forward collision warning systems. These advanced safety features can further reduce insurance rates as they provide an extra layer of protection and help mitigate the human error factor, which is a leading cause of accidents.
While these advanced safety features can lead to insurance discounts, it is important to note that they may also raise repair costs in the event of an accident. The systems themselves may need to be repaired or replaced, contributing to higher overall repair costs. As a result, insurance companies may charge higher premiums for vehicles with advanced safety features to account for the potential expense of repairs.
The presence of advanced safety features can also impact the demand for certain vehicles. Consumers may be encouraged to prioritize safety features when choosing a vehicle due to the potential savings associated with lower insurance premiums. Additionally, vehicles with higher safety ratings tend to have a higher resale value as they are often more desirable in the used car market.
When determining insurance costs, insurance companies consider various factors, including the vehicle's safety rating, age, driving history, location, and type. While safety ratings and features can influence insurance prices, other factors also come into play, such as the make and model year of the vehicle, personal rating factors, coverage selections, and the chosen insurance carrier.
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The location of the driver can affect the insurance premium
The location of the driver is one of the many factors that can affect the cost of their insurance premium. Insurers base their premiums on a variety of factors, which can be broadly categorized into personal factors and vehicle-related factors. While location does play a significant role in determining car insurance premiums, it is important to note that it is not the only factor.
Personal factors include the age, gender, marital status, driving history, and credit score of the driver. For instance, young drivers are often considered high-risk and therefore pay more for car insurance. Similarly, individuals with a history of traffic violations or accidents are likely to pay higher premiums. Vehicle-related factors include the make and model of the car, its age, and its safety features. For example, a brand-new sports car will typically cost more to insure than an older, safer model.
Location influences insurance premiums because the risk associated with insuring a driver can vary depending on where they live. For example, car insurance can be more expensive in big cities than in remote regions due to higher levels of risk. This includes risk factors such as a city's sociopolitical situation, municipal bylaws, recorded loss rates, and traffic on the roads. Insurers may also consider whether a particular region or city has a high rate of car theft, which could increase the likelihood of claims being made.
In addition, the state, city, and ZIP code of the driver can impact their insurance premium. The minimum auto insurance limits required by the state can increase rates. States with higher liability car insurance requirements, such as Michigan, tend to have higher premiums. The number of auto insurance claims filed in a particular area can also affect premiums. If people in a certain ZIP code or neighborhood file a lot of auto insurance claims, insurers may designate that area as high risk and quote higher premiums. As a result, insurance premiums are generally higher in high-population areas with a greater chance of car accidents.
It is worth noting that insurance rates for a Scion FR-S can vary depending on the year of the make, personal rating factors, coverage selections, and the chosen carrier. While sports cars typically cost more to insure, the Scion FR-S may be more affordable to insure than other sports cars due to its lower manufacturer-suggested retail price.
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The Scion FR-S's parts are available through Toyota and the aftermarket
The Scion FR-S is a six-speed sports coupe born out of a partnership between Toyota and Subaru. The FR-S was discontinued and rebranded as the 86, but older models are still popular on the resale market.
The Scion FR-S is known for its high performance and quality, but it is not without its mechanical issues. Some of the most common problems include gear grinding, tire failure, and engine problems. Luckily, parts are readily available through Toyota and the aftermarket.
For example, Olathe Toyota Parts Center offers a range of genuine OEM factory parts for the Scion FR-S, including lock components, front lamps, and various assembly pieces. ToyotaPartsDeal.com is another great option for genuine Scion FR-S parts, offering unbeatable prices and fast shipping across the nation.
In addition to Toyota, there are several aftermarket companies that provide parts for the Scion FR-S. MAPerformance, for instance, has been developing aftermarket performance parts for the FR-S since 2013, aiming to improve the car's horsepower, torque rating, and reputation on the track.
Whether you choose to source parts from Toyota or the aftermarket, there are plenty of options available to keep your Scion FR-S in top condition.
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Frequently asked questions
The cost of insurance for a Scion FR-S varies depending on factors like the driver's age, location, driving history, and coverage choices. However, the FR-S is generally considered to be more expensive to insure than the average vehicle.
The Scion FR-S is a sports car, and insurers often charge higher premiums for sports cars due to their high value and the perceived risk of speeding and dangerous driving. Additionally, the safety rating of the vehicle and the presence of advanced tech features can influence insurance costs, with higher safety ratings and more advanced features leading to higher premiums.
The cost of insurance for a Scion FR-S can vary significantly, with some sources quoting prices ranging from $164 to $389 per month, while others state that rates can be as low as $80/month for full coverage. The variation in prices is due to the various factors that insurance companies consider when calculating premiums.
Yes, there are a few strategies to reduce the cost of insurance for a Scion FR-S. One way is to shop around and compare quotes from different insurance companies, as rates can vary between carriers. Additionally, taking advantage of discounts offered by insurance providers, such as those for safe driving, low mileage, or bundling with other insurance policies, can help lower costs. Maintaining a good driving record and avoiding tickets and accidents can also positively impact insurance premiums over time.
The age of the vehicle can impact the insurance cost, as older cars are generally cheaper to insure than newer ones. For example, the insurance rates for a 2014 or 2015 model year FR-S are reported to be higher than those for a 2016 model, with rates expected to decrease further as the car ages.
