Scion xB Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2023
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The average insurance prices for a Scion xB are $832 every 12 months with full coverage. Comprehensive insurance costs an estimated $116, collision costs $116, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $1,782 or more. Teen drivers cost the most to insure at $3,476 a year or more.
Average premium for full coverage: $832
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all xB models.
Price Range Variability
For the average driver, Scion xB insurance rates go from the cheapest price of $496 for just the minimum liability insurance to the much higher price of $1,782 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas.
The example below illustrates how location impacts insurance prices.
The examples above demonstrate why everyone should compare rates for a targeted area and their own driving history, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below details estimated Scion xB insurance rates for other coverage scenarios.
- The lowest rate with discounts is $522
- Drivers who choose higher $1,000 deductibles will pay approximately $52 annually
- The average price for a good driver age 40 who has $500 deductibles is $832
- Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $98 each year
- High-risk insureds with multiple violations and an at-fault accident could pay up to $1,782 or more
- Policy cost to insure a teenage driver for full coverage can cost as much as $3,476 a year
Auto insurance rates for a Scion xB also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Choosing high deductibles could save up to $150 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $3,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,000 to $1,400 in extra premium every year, depending on your age. Scion xB insurance for high-risk drivers can cost around 40% to 133% more than average. View High Risk Driver Rates
Your home state makes a big difference in Scion xB insurance rates. A 40-year-old driver could pay as low as $600 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,130 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $754 | -$78 | -9.4% |
| Alaska | $640 | -$192 | -23.1% |
| Arizona | $692 | -$140 | -16.8% |
| Arkansas | $832 | -$0 | 0.0% |
| California | $950 | $118 | 14.2% |
| Colorado | $796 | -$36 | -4.3% |
| Connecticut | $856 | $24 | 2.9% |
| Delaware | $942 | $110 | 13.2% |
| Florida | $1,042 | $210 | 25.2% |
| Georgia | $768 | -$64 | -7.7% |
| Hawaii | $598 | -$234 | -28.1% |
| Idaho | $564 | -$268 | -32.2% |
| Illinois | $622 | -$210 | -25.2% |
| Indiana | $626 | -$206 | -24.8% |
| Iowa | $560 | -$272 | -32.7% |
| Kansas | $792 | -$40 | -4.8% |
| Kentucky | $1,138 | $306 | 36.8% |
| Louisiana | $1,232 | $400 | 48.1% |
| Maine | $514 | -$318 | -38.2% |
| Maryland | $688 | -$144 | -17.3% |
| Massachusetts | $668 | -$164 | -19.7% |
| Michigan | $1,446 | $614 | 73.8% |
| Minnesota | $696 | -$136 | -16.3% |
| Mississippi | $998 | $166 | 20.0% |
| Missouri | $738 | -$94 | -11.3% |
| Montana | $896 | $64 | 7.7% |
| Nebraska | $656 | -$176 | -21.2% |
| Nevada | $998 | $166 | 20.0% |
| New Hampshire | $600 | -$232 | -27.9% |
| New Jersey | $930 | $98 | 11.8% |
| New Mexico | $738 | -$94 | -11.3% |
| New York | $878 | $46 | 5.5% |
| North Carolina | $480 | -$352 | -42.3% |
| North Dakota | $682 | -$150 | -18.0% |
| Ohio | $576 | -$256 | -30.8% |
| Oklahoma | $856 | $24 | 2.9% |
| Oregon | $762 | -$70 | -8.4% |
| Pennsylvania | $796 | -$36 | -4.3% |
| Rhode Island | $1,112 | $280 | 33.7% |
| South Carolina | $754 | -$78 | -9.4% |
| South Dakota | $704 | -$128 | -15.4% |
| Tennessee | $730 | -$102 | -12.3% |
| Texas | $1,002 | $170 | 20.4% |
| Utah | $618 | -$214 | -25.7% |
| Vermont | $570 | -$262 | -31.5% |
| Virginia | $500 | -$332 | -39.9% |
| Washington | $644 | -$188 | -22.6% |
| West Virginia | $764 | -$68 | -8.2% |
| Wisconsin | $576 | -$256 | -30.8% |
| Wyoming | $742 | -$90 | -10.8% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Scion xB | $176 | $220 | $474 | $1,028 |
| 2014 Scion xB | $164 | $206 | $474 | $1,002 |
| 2013 Scion xB | $158 | $186 | $478 | $980 |
| 2012 Scion xB | $148 | $170 | $474 | $950 |
| 2009 Scion xB | $132 | $136 | $460 | $886 |
| 2008 Scion xB | $130 | $130 | $452 | $870 |
| 2006 Scion xB | $116 | $116 | $442 | $832 |
Rates are averaged for all Scion xB models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Scion xB Insurance
Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
The following list is a brief recap of the information touched on above.
- You may be able to save approximately $90 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are the costliest to insure, as much as $290 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save as much as $150 each year
- Drivers who tend to receive serious violations may pay on average $950 more annually than a safer driver
- Consumers who want an increased level of liability coverage will pay about $490 every year to go from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,476 |
| 20 | $1,900 |
| 30 | $836 |
| 40 | $832 |
| 50 | $766 |
| 60 | $750 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $930 |
| $250 | $886 |
| $500 | $832 |
| $1,000 | $780 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $832 |
| 50/100 | $920 |
| 100/300 | $1,031 |
| 250/500 | $1,318 |
| 100 CSL | $965 |
| 300 CSL | $1,208 |
| 500 CSL | $1,385 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,856 |
| 20 | $3,020 |
| 30 | $1,782 |
| 40 | $1,782 |
| 50 | $1,704 |
| 60 | $1,686 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $40 |
| Multi-vehicle | $45 |
| Homeowner | $16 |
| 5-yr Accident Free | $45 |
| 5-yr Claim Free | $50 |
| Paid in Full/EFT | $26 |
| Advance Quote | $34 |
| Online Quote | $54 |
| Total Discounts | $310 |
Discounts are estimated and may not be available from every company or in every state.
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