Scion xB Insurance Rates

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Cheapest 2005 Scion xB Insurance Rates in 2025

Buyers have lots of choices when searching for the lowest priced Scion xB insurance. They can either waste time contacting agents to get rate comparisons or save time using the internet to get rate quotes. There is a better way to find auto insurance online so we're going to tell you the quickest way to compare rates for a Scion and locate the best price possible from local insurance agents and...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Jun 3, 2023

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U.S. average insurance rates for a Scion xB are $832 a year for full coverage insurance. Comprehensive insurance costs on average $116 a year, collision insurance costs $116, and liability insurance is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs $1,782 or more. 16-year-old drivers pay the highest rates at up to $3,476 a year.

Average premium for full coverage: $832

Price estimates by individual coverage:

Comprehensive $116
Collision $116
Liability $442

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and xB trim levels.

Price Range from Low to High

For an average driver, Scion xB insurance prices range from the low end price of $496 for the bare minimum liability coverage to a high of $1,782 for a policy for a high-risk driver.

Liability Only $496
Full Coverage $832
High Risk $1,782

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities. The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $624
Small Cities $874
Large Cities $1,123

The ranges above illustrate why it is important to get quotes based on a specific location, rather than relying on rate 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 Information

The chart below illustrates average Scion xB insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $522
  • Choosing higher $1,000 deductibles can save around $780 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $832
  • Buying low $100 deductibles for comp and collision coverage will cost an additional $98 a year
  • High-risk insureds with multiple tickets or accidents could pay upwards of $1,782
  • The price that insures a teen driver may cost $3,476 each year

View Chart as Image

Scion xB insurance cost comparison chart
Column chart showing Scion xB insurance prices range from $522 to $3,476 for full coverage

Car insurance prices for a Scion xB are also quite variable based on the trim level of your xB, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,000 to $1,400 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 40% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $800 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $3,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Scion xB insurance rates. A good driver about age 40 could pay as low as $550 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,130 on average in Michigan, New York, and Florida.

Scion xB Insurance Rates by State
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%

View Chart as Image

Scion xB insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $150 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Scion xB Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Scion xB $180 $236 $464 $1,038
2014 Scion xB $176 $220 $474 $1,028
2013 Scion xB $164 $206 $474 $1,002
2012 Scion xB $158 $186 $478 $980
2009 Scion xB $134 $138 $468 $898
2008 Scion xB $132 $136 $460 $886
2006 Scion xB $120 $124 $446 $848
2005 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 Find More Affordable Scion xB Insurance

Getting lower rates on Scion xB insurance takes avoiding accidents and claims, having a positive credit history, not filing small claims, and possibly raising deductibles. Comparison shop every year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a summary of the coverage data covered in the above illustrations.

  • It is possible to save as much as $90 per year just by quoting early and online
  • Increasing physical damage deductibles can save approximately $150 each year
  • Drivers under the age of 20 are expensive to insure, as much as $290 a month if full coverage is purchased
  • High-risk drivers who have multiple accidents or major violations may pay on average $950 more each year to insure a Scion xB

Rates by Driver Age

Scion xB Insurance 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

Scion xB Insurance Rates with Different Deductibles
Deductible Premium
$100 $930
$250 $886
$500 $832
$1,000 $780

Full coverage, driver age 40

Rates by Liability Limit

Scion xB Insurance Rates with Different Liability Limits
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

Scion xB Insurance 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.

SR-22 Surcharge $107

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
Rate after discounts $522

Discounts are estimated and may not be available from every company or in every state.

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