Scion xB Insurance Rates
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Michelle Robbins
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UPDATED: Jun 3, 2023
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Estimated insurance rates for a Scion xB are $832 a year with full coverage. Comprehensive insurance costs approximately $116, collision costs $116, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing $1,782 or more. 16-year-old drivers pay the most at $3,476 a year or more.
Average premium for full coverage: $832
Premium estimates by type of coverage:
These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different xB trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Scion xB go from as low as $496 for basic liability insurance to a much higher rate of $1,782 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than congested cities.
The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based 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.
Rate Comparisons
The chart below details estimated Scion xB insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $522
- Choosing higher $1,000 deductibles can save $52 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $832
- Buying more expensive low deductibles for comp and collision coverage will cost an extra $98 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $1,782 or more
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost $3,476 each year
Insurance prices for a Scion xB also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $3,400 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Scion xB insurance prices. A good driver about age 40 could pay as low as $600 a year in states like Utah, Ohio, and New Hampshire, or at least $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% |
Opting for high physical damage deductibles can save as much as $150 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,400 extra annually, depending on your age. High-risk driver insurance ranges from 40% to 133% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Each auto insurer utilizes a different rate formula, so the prices will be substantially different from one company to the next.
| 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 Cheap Scion xB Insurance
Finding better rates on insurance for a Scion xB takes being a safe and courteous driver, maintaining good credit, being claim-free, and maximizing policy discounts. Make time to compare rates every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a brief summary of the ideas that were touched on in this article.
- Teenage drivers are expensive to insure, possibly costing $290 per month for full coverage
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $950 more per year for auto insurance
- Increasing policy deductibles can save around $150 each year
- You may be able to save around $90 per year simply by shopping early and online
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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