Car insurance for a Scion FR-S

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Toyota and Subaru’s partnership created the Scion FR-S, one of the most enjoyable sports coupes on the market. However, the cost of car insurance for sports cars is understandably more expensive than your average sedan. The national average cost of car insurance for full coverage on a 2019 Toyota Camry is $1,674 per year. If you are wondering how much the cost of car Insurance for Scion FR-S models will set you back, Bankrate has reviewed the average annual rates as well as factors affecting insurance premiums below.

First, it is important to note that the Scion brand was discontinued by Toyota and the FR-S was rebranded as the 86. However, older FR-S models are still popular in the resale market. This review of the Scion FR-S will shed some light on rates for the original 2016 model and its reinvention as the Toyota 86.

How much does it cost to insure a Scion FR-S?

The average cost of car insurance can greatly differ based on your location, driving record and level of coverage, in addition to the type and value of your vehicle. Premiums for a sports car are typically higher than other makes, such as a compact SUV or sedan. Contributing factors include the sports car’s total value and perceived risk associated with the driver’s likelihood to speed, in addition to the following:

  • Crash rate statistics: There is no crash-related data specifically for the FR-S. However, the IIHS reported that the sports car death rate for 2017 was 36 on average, and in the mid 80s for some models.
  • Price of parts: Original manufacturer parts are still available for 2013 to 2016 models directly through Toyota. However, they tend to be expensive, on the whole.
  • Safety features: Standard safety features you will find when shopping for a pre-owned Scion FR-S include front and seat-mounted airbags for driver and passenger, front and rear side curtain airbags, electronic brake distribution (EBD), brake assist, anti-lock brakes (ABS) traction control and stability control. Depending on the provider, this may result in lower rates or even discount opportunities.

If you are considering buying a Scion FR-S and interested in knowing how much car insurance will factor into your overall expenses, the most accurate way to determine the cost to insure a Scion FR-S is to get quotes from several car insurance companies. Many companies offer an online quote option to simplify the process; obtaining a quote typically does not take more than a few minutes from start to finish. In some cases, you may even receive a discount if you purchase your policy entirely online.

For a ballpark comparison, Bankrate evaluated the average rates for Scion FR-S insurance based on quoted annual premiums from 2021, as indicated below.

Car insurance for a Scion FR-S

Average rates for the Scion FR-S are higher than the national average for vehicles, but are not outrageously expensive. While sports cars typically cost more to insure, you could save on your premiums by shopping around for coverage and taking advantage of available carrier discounts.

Although the FR-S was discontinued, parts are still available through Toyota and the aftermarket. Repairs may not be as expensive due to the availability of parts at this time, which could be a contributing factor to why rates are not as high for this sports car model compared to others, like a Tesla or Corvette. Here is how much you might expect to pay for insurance on a 2016 Scion FR-S. Remember that your rate may differ based on your location and driving history, among other factors.

Scion FR-S car insurance Average annual premium
Minimum coverage $501
Full coverage $1,883

Cheapest car insurance companies for a Scion FR-S

Finding the cheapest Scion FR-S insurance starts with a comparison of the best car insurance companies available in your area that offer the coverage you need. To find the best rates, collect quotes from several providers to compare. Bankrate reviewed some of the top car insurance companies by market share and evaluated quoted annual premiums to help get an idea of how much it costs to insure a Scion FR-S. The following carriers were included in our review of the best car insurance companies and have corresponding average annual rates for this model.

Average annual full coverage premiums by company

Car insurance company Scion FR-S
Amica $1,454
Erie $1,401
Geico $1,485
State Farm $1,425
USAA $1,323

Scion FR-S features that impact insurance costs

Sports cars are typically more expensive to insure, based on the speed at which they can travel and their safety ratings. However, the Scion FR-S has numerous safety features, which could potentially affect the average cost of coverage for the model depending on whether or not a company provides lower premiums for these safety features, or if discounts are available. IIHS’s safety rating for the 2016 model awarded it with a “G” for Good in all categories except for the small overlap in the driver front, which received an average rating. Later models (Toyota 86) include the following safety features which can lower the likelihood of an accident and reduce driver and passenger injuries:

  • Six airbags
  • Hill start assist control, which prevents the vehicle from rolling when switching from brake to drive on a hill or incline
  • Vehicle stability control
  • Anti-lock brakes
  • Traction control
  • Brake assist
  • Electronic brake-force distribution
  • Smart Stop Technology

Other car insurance coverage for Scion FR-S

Most states require drivers to carry at least liability coverage. However, liability insurance does not pay for damages to your Scion FR-S. You will likely be more financially protected with full coverage car insurance, which adds comprehensive and collision coverage to your policy. Both work together to pay for damages to your car from a number of perils, such as a crash, striking an animal, or damage due to flooding or a severe storm.

Uninsured/underinsured motorist coverage may be mandatory in some states as well. Even if it is not, adding the coverage gives you added peace of mind knowing that if someone else is responsible for an accident and they do not have any or enough insurance, your carrier’s UM/UIM policy will step in.

You may also want to consider other insurance add-ons such as accident forgiveness (which may prevent your premiums from increasing after one at-fault accident), roadside assistance and towing (in case your FR-S breaks down) or extended glass coverage, which pays for repair or replacement of a damaged windshield and windows.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2016 Scion FR-S, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN,, and She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Insurance Editor