When I upgraded from a '91 Nissan 240SX to a then-new '00 BMW Z3, I think the net change in my insurance was pretty close to zero, despite the radical increase in both horsepower and replacement cost. I can only assume that insurance rates have as much to do with who you are as with what you drive.

Meanwhile, keep in mind that the Scion tC has a whole lot more in common with an Acura Integra / RSX than it does with any of the other Scion cars.