Scion FR-S insurance averages $181 monthly for full coverage and $94 for minimum coverage. Full coverage ranges from $123 to $322 per month by insurer, while minimum coverage ranges from $57 to $148.
Scion FR-S Insurance Cost
Updated: May 20, 2026
Key Takeaways
GEICO offers the most affordable Scion FR-S insurance on average, though full coverage costs vary widely by model year and insurer. You're looking at around $181 a month for comprehensive protection. Read more.
The FR-S ranks 16th out of 115 sports cars for insurance affordability, making it relatively affordable within its vehicle class. Sports cars face higher premiums due to performance capabilities and theft risks, so it's still pricier than most vehicles. Read more.
Your FR-S's model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific FR-S model years depending on the age of the drivers.
How Much Is Scion FR-S Insurance?
| Scion Fr-S | $94 | $181 |
Your Scion FR-S's monthly insurance costs range from $64 for minimum coverage on older models to $565 for full coverage on newer models, depending on model year and insurer. Like most cars, newer FR-S models cost more to insure because they're worth more money.
| 2013 | $85 | $164 |
| 2015 | $93 | $180 |
| 2014 | $93 | $180 |
| 2016 | $105 | $202 |
Insurance costs for a Scion FR-S depend on model year and company. Full coverage goes from $123 a month with GEICO to $322 with AIG. Minimum coverage ranges from $57 with GEICO to $148 with Farmers.
Scion FR-S owners should shop among insurers since minimum coverage varies by over $91 and full coverage by over $199. Each company calculates risk differently for the Scion FR-S, which affects your final quote.
| AAA | $106 | $219 |
| AIG | $130 | $322 |
| Allstate | $114 | $220 |
| Amica | $111 | $229 |
| Chubb | $107 | $214 |
| Farmers | $148 | $261 |
| Geico | $57 | $123 |
| Kemper | $90 | $183 |
| Nationwide | $114 | $197 |
| Progressive | $97 | $182 |
| State Farm | $87 | $181 |
| The Hartford | $100 | $171 |
| Travelers | $88 | $161 |
| UAIC | $139 | $173 |
Is Scion FR-S Expensive to Insure?
Sports cars present unique insurance challenges, and MoneyGeek's analysis of 115 sports cars shows the Scion FR-S ranking 16th for affordability. That means 15 models cost less to insure, putting it between the pricier Porsche Cayman and the cheaper Chevrolet SS. The category itself carries higher premiums than most vehicle types.
At 423rd out of 827 total vehicles in MoneyGeek's database, the FR-S falls in the more expensive half for insurance costs. The Mazda MX-5 Miata claims the most affordable spot among sports cars, and the Rolls Royce La Rose Noire commands the highest premiums in the category.
| Ford Mustang | $130 | 13 |
| Alfa Romeo 4C | $130 | 14 |
| Chevrolet SS | $134 | 15 |
| Scion FR-S | $138 | 16 |
| Porsche Cayman | $141 | 17 |
| Cadillac XLR | $141 | 18 |
| Chevrolet Camaro | $143 | 19 |
Several factors affect what you'll pay for Scion FR-S insurance:
- Average repair or replacement costs: Scion FR-S repair costs average $719 annually, making it the least affordable of Scion's eight models to maintain, which can push insurance rates higher.
- Vehicle trim, features and accessories: The FR-S puts out 200 to 205 horsepower with a 6.2-second 0-60 time. That level of performance raises insurance premiums, as insurers price in the added risk.
- Driver profile: Most FR-S owners fall into the 25-35 age group, and the car's performance reputation attracts risk-taking behaviors that worry insurers. Read more about Scion FR-S insurance costs for young drivers.
Scion FR-S Costs by Model Year and Driver Age by Insurance Company
Model year and driver age are among the biggest factors in Scion FR-S insurance costs. A 35- to 55-year-old driver pays around $181 a month for full coverage on a 2013 Scion FR-S compared to $220 for a 2016 model, as newer vehicles generally carry higher premiums. Teen and young adult drivers pay noticeably more across all model years given their higher risk profile.
GEICO offers the most affordable rates across all Scion FR-S model years. Shopping among insurers can save you hundreds of dollars a month compared to average market rates.
Cost of Car Insurance for 2016 Scion FR-S
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
2016 Scion FR-S Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $760 | $554 | $465 | $338 | $291 | $235 | $216 | $179 | $170 | $154 |
| State Farm | $784 | $689 | $610 | $527 | $465 | $395 | $359 | $321 | $293 | $258 |
| Nationwide | $1,008 | $923 | $851 | $722 | $610 | $395 | $366 | $342 | $323 | $289 |
| Travelers | $1,075 | $775 | $612 | $471 | $416 | $307 | $281 | $259 | $239 | $207 |
| Allstate | $1,155 | $906 | $730 | $540 | $484 | $377 | $342 | $324 | $305 | $270 |
| Progressive | $1,443 | $1,163 | $964 | $535 | $466 | $377 | $336 | $299 | $275 | $236 |
| Farmers | $1,838 | $1,364 | $1,213 | $753 | $711 | $540 | $481 | $460 | $437 | $368 |
Cost of Car Insurance for 2015 Scion FR-S
| Geico | $106 | $228 |
| National General | $108 | $221 |
| State Farm | $152 | $315 |
| Kemper | $159 | $318 |
| Travelers | $161 | $295 |
| The Hartford | $164 | $279 |
| Amica | $167 | $342 |
| AAA | $168 | $348 |
| Allstate | $180 | $348 |
| Chubb | $187 | $368 |
| Progressive | $189 | $355 |
| AIG | $205 | $504 |
| Farmers | $220 | $390 |
| Nationwide | $232 | $400 |
| UAIC | $244 | $303 |
2015 Scion FR-S Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $677 | $494 | $415 | $301 | $259 | $209 | $193 | $160 | $151 | $137 |
| State Farm | $698 | $614 | $543 | $469 | $414 | $352 | $320 | $286 | $261 | $230 |
| Nationwide | $898 | $823 | $758 | $643 | $543 | $352 | $326 | $304 | $288 | $257 |
| Travelers | $957 | $690 | $545 | $420 | $370 | $274 | $250 | $231 | $213 | $184 |
| Allstate | $1,029 | $807 | $651 | $481 | $431 | $336 | $305 | $288 | $272 | $240 |
| Progressive | $1,285 | $1,036 | $859 | $476 | $415 | $336 | $299 | $267 | $245 | $210 |
| Farmers | $1,637 | $1,215 | $1,080 | $671 | $633 | $481 | $429 | $410 | $390 | $327 |
Cost of Car Insurance for 2014 Scion FR-S
| Geico | $72 | $155 |
| National General | $73 | $150 |
| State Farm | $103 | $214 |
| Kemper | $108 | $216 |
| Travelers | $109 | $201 |
| The Hartford | $112 | $190 |
| Amica | $114 | $233 |
| AAA | $114 | $237 |
| Allstate | $123 | $237 |
| Chubb | $128 | $251 |
| Progressive | $129 | $242 |
| AIG | $140 | $343 |
| Farmers | $150 | $265 |
| Nationwide | $158 | $272 |
| UAIC | $166 | $206 |
2014 Scion FR-S Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $649 | $571 | $505 | $436 | $385 | $327 | $297 | $265 | $243 | $214 |
| Geico | $697 | $509 | $427 | $310 | $267 | $216 | $199 | $165 | $156 | $142 |
| Nationwide | $880 | $805 | $742 | $629 | $532 | $345 | $319 | $298 | $282 | $252 |
| Travelers | $960 | $692 | $547 | $421 | $372 | $273 | $250 | $231 | $213 | $184 |
| Allstate | $1,050 | $824 | $663 | $489 | $439 | $342 | $310 | $293 | $276 | $245 |
| Progressive | $1,373 | $1,105 | $917 | $508 | $443 | $358 | $319 | $284 | $261 | $224 |
| Farmers | $1,588 | $1,180 | $1,050 | $654 | $618 | $470 | $418 | $400 | $381 | $319 |
Cost of Car Insurance for 2013 Scion FR-S
| Geico | $64 | $138 |
| National General | $65 | $133 |
| State Farm | $92 | $190 |
| Kemper | $96 | $192 |
| Travelers | $97 | $178 |
| The Hartford | $99 | $169 |
| Amica | $101 | $206 |
| AAA | $102 | $210 |
| Allstate | $109 | $210 |
| Chubb | $113 | $222 |
| Progressive | $114 | $215 |
| AIG | $124 | $304 |
| Farmers | $133 | $235 |
| Nationwide | $140 | $242 |
| UAIC | $147 | $183 |
2013 Scion FR-S Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $591 | $520 | $460 | $397 | $351 | $298 | $271 | $242 | $221 | $195 |
| Geico | $635 | $463 | $389 | $282 | $243 | $196 | $181 | $150 | $142 | $129 |
| Nationwide | $801 | $733 | $676 | $573 | $484 | $314 | $291 | $271 | $257 | $230 |
| Travelers | $875 | $631 | $499 | $384 | $339 | $249 | $227 | $210 | $194 | $168 |
| Allstate | $957 | $751 | $604 | $446 | $400 | $311 | $283 | $267 | $252 | $223 |
| Progressive | $1,251 | $1,007 | $835 | $463 | $403 | $326 | $290 | $259 | $238 | $204 |
| Farmers | $1,447 | $1,075 | $956 | $596 | $563 | $428 | $381 | $365 | $347 | $291 |
Scion FR-S Insurance Cost by Trim
Your Scion FR-S trim can raise or lower insurance costs by a notable margin, from $222 a month for full coverage on the Release Series 2.0 Coupe 2D to $87 for minimum coverage on the base 10 Series Coupe 2D. Performance features, rarity and market value all affect where your model falls in that range.
| 10 Series Coupe 2d | $87 | $167 |
| Coupe 2d | $88 | $170 |
| Monogram Series Coupe 2d | $97 | $187 |
| Release Series 1.0 Coupe 2d | $100 | $192 |
| Release Series 2.0 Coupe 2d | $115 | $222 |
Scion FR-S Insurance Cost by State
Car insurance for a Scion FR-S costs as little as $34 per month in Wyoming or as much as $188 in Louisiana for minimum coverage, depending on where you live. Your state's risk characteristics and insurance regulations drive these differences, not the model itself.
| Alabama | $84 | $158 |
| Alaska | $65 | $139 |
| Arizona | $116 | $215 |
| Arkansas | $74 | $165 |
| California | $88 | $179 |
| Colorado | $88 | $212 |
| Connecticut | $128 | $219 |
| Delaware | $131 | $219 |
| Florida | $123 | $286 |
| Georgia | $130 | $215 |
| Hawaii | $49 | $110 |
| Idaho | $52 | $106 |
| Illinois | $87 | $163 |
| Indiana | $60 | $118 |
| Iowa | $50 | $121 |
| Kansas | $66 | $152 |
| Kentucky | $114 | $192 |
| Louisiana | $188 | $398 |
| Maine | $47 | $98 |
| Maryland | $140 | $235 |
| Massachusetts | $95 | $201 |
| Michigan | $143 | $275 |
| Minnesota | $77 | $160 |
| Mississippi | $80 | $157 |
| Missouri | $111 | $219 |
| Montana | $69 | $162 |
| Nebraska | $65 | $149 |
| Nevada | $165 | $298 |
| New Hampshire | $66 | $117 |
| New Jersey | $150 | $247 |
| New Mexico | $74 | $166 |
| New York | $115 | $205 |
| North Carolina | $72 | $141 |
| North Dakota | $56 | $123 |
| Ohio | $71 | $137 |
| Oklahoma | $81 | $179 |
| Oregon | $112 | $196 |
| Pennsylvania | $81 | $189 |
| Rhode Island | $114 | $203 |
| South Carolina | $97 | $180 |
| South Dakota | $50 | $152 |
| Tennessee | $73 | $147 |
| Texas | $113 | $233 |
| Utah | $96 | $164 |
| Vermont | $43 | $103 |
| Virginia | $89 | $144 |
| Washington | $87 | $162 |
| West Virginia | $80 | $160 |
| Wisconsin | $61 | $136 |
| Wyoming | $34 | $107 |
How to Lower the Cost of Scion FR-S Insurance
We've compiled proven strategies to help you find better rates on Scion FR-S insurance:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Scion FR-S based on whether you own, finance or lease the vehicle. If you own it outright, carry your state's minimum liability limits along with comprehensive and collision coverage with a $1,000 deductible to keep premiums lower. Drivers who want stronger protection can increase liability limits to 100/300/100 and choose a $500 deductible for comprehensive and collision coverage. If you finance or lease your FR-S, lenders usually require 100/300/100 liability coverage, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for performance sedans. That context helps when browsing the cheapest car insurance companies to spot good deals and avoid overpaying for coverage.
- 3Look for more than just low rates
Choose quality car insurance by comparing more than just quotes. Check J.D. Power satisfaction ratings, read forum feedback about claims handling, review Better Business Bureau complaints and confirm AM Best financial strength ratings. Some budget insurers offer limited coverage options or slower service when you need support most.
- 4Explore discounts you qualify for
Check car insurance discounts that apply to your situation. Scion FR-S owners often qualify for good driver discounts, safety feature savings, anti-theft device reductions and bundling discounts when combining auto and home policies.
- 5Consider alternative car insurance types
Scion FR-S owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise. These programs track safe driving habits and reward cautious drivers with lower premiums. Low-mileage drivers tend to see the biggest savings with telematics programs.
- 6Check rates every year
Get car insurance quotes from multiple companies annually. Your insurer won't notify you when competitors lower their prices, so yearly comparisons can save up to 24% on your Scion FR-S insurance. Rates change often, and a quick annual check keeps you from overpaying.
Scion FR-S Insurance Cost: Bottom Line
Scion FR-S insurance costs fall near the average compared to other vehicles, but you can still find decent rates. Compare quotes from multiple companies and claim discounts to lower the cost of coverage for your car.
Scion FR-S Insurance Rates: FAQ
What is the average cost of car insurance for a Scion FR-S?
Scion FR-S insurance costs $1,128 annually for minimum coverage and $2,172 for full coverage. These rates compare favorably to national averages.
What company has the cheapest car insurance for a Scion FR-S?
GEICO provides the most affordable auto insurance for a Scion FR-S, offering minimum coverage at $684 annually. For full coverage, GEICO also offers the best value at $1,476 per year.
Is Scion FR-S insurance expensive?
No, Scion FR-S insurance is not more expensive than most vehicles. Among sports cars, this model ranks 16th out of 115 for affordability. It places 423rd out of 827 total vehicles we track.
What affects Scion FR-S insurance costs?
Multiple factors affect your Scion FR-S insurance rates. High-performance characteristics increase risk for insurers, and specialized parts make repairs more expensive. Moderate theft rates among car enthusiasts also concern insurers. Your driving record, credit score and coverage selections all affect your final premium costs.
How can I lower Scion FR-S insurance costs?
Compare quotes from several insurers since Scion FR-S pricing differs between companies, and look into usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to get better rates.
How We Determined Scion FR-S Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Scion FR-S insurance costs.
Who We Based These Rates On
These Scion FR-S prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!