About $2,086 a year for full coverage on a national average — 45% more than the $1,438 average car. Insurers rate the Scion FR-S at an index of 145 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2014-2016).
The premium isn't spread evenly across the Scion FR-S: Collision — damage to your own car in a crash — carries its highest loss index at 193, while Property damage sits at 104. Those 89 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2014 FR-S sells for a median $10,900, so a year of cover costs 19.1% of the car's value. Calculated from 4 insurance-loss records and live US listing prices.
Why a FR-S costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $2,086: Liability (BI + PD) $1,001 · Collision $584 · Comprehensive $250 · Other (UM / PIP) $250.
How it changed by generation
Insurance-loss index of the FR-S across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The FR-S has become cheaper to insure over time (-2 points).
What a FR-S costs by state
Where you park matters as much as what you drive. The FR-S's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | FR-S est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Scion FR-S's loss index of 145 — your own quote also depends on age, record, deductible and ZIP.
Scion FR-S insurance — frequently asked
How much is insurance for a Scion FR-S?
About $2,086 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 145 applied to the US average premium.
Why is the FR-S expensive or cheap to insure?
For the Scion FR-S the costliest area is Collision at an index of 193, covering damage to your own car in a crash — against 104 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Scion FR-S lands at 145, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 19.1% of what a 2014 FR-S sells for — $2,086 against a median price of $10,900. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 19.1% the FR-S sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same FR-S can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.