Scion xB Insurance Rates

The average insurance rates for a Scion xB are $832 a year with full coverage. Comprehensive insurance costs on average $116 a year, collision insurance costs $116, and liability insurance is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs $1,782 or more. 16-year-old drivers cost the most to insure at up to $3,476 a year.

Average premium for full coverage: $832

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and xB trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates how your location can change car insurance rates.

The examples above demonstrate why it is important to compare rates quotes based on a specific location, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

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

• The best full coverage rate is $522
• Raising to $1,000 deductibles will save around $780 annually
• The estimated price for a good driver age 40 with $500 deductibles is $832
• Buying low $100 deductibles will cost an additional $98 a year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,782
• Policy cost that insures a teen driver may cost $3,476

View Chart as Image

Car insurance rates for a Scion xB also range considerably based on the trim level of your xB, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost 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 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $3,400 a year. View Rates by Age

Your home state also has a big influence on Scion xB insurance rates. A middle-age driver might find rates as low as $600 a year in states like New Hampshire, Ohio, and Utah, or at least $1,130 on average in Florida, Michigan, and New York.

View Chart as Image

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

How to Find Cheaper Scion xB Insurance

Finding cheaper rates on Scion xB insurance consists of being a low-risk driver, having a positive credit history, not filing small claims, and possibly raising deductibles. Comparison shop at least once a year by requesting rates from direct companies, and also from several local insurance agents.

The items below are a condensed summary of the primary concepts that were illustrated above.

• You may be able to save as much as $90 per year just by quoting early and online
• High-risk drivers with multiple at-fault accidents pay on average $950 more each year to insure their xB
• Increasing comprehensive and collision deductibles can save approximately $150 each year
• Teen drivers are expensive to insure, as much as $290 each month if full coverage is purchased