Scion xB Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance prices for a Scion xB are $832 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $116 each year, collision costs $116, and liability 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:
These estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and xB models.
Price Range Variability
For the average driver, Scion xB insurance rates go from the cheapest price of $496 for minimum levels of liability insurance to a high rate of $1,782 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas.
The graphic below illustrates how location impacts insurance prices.
The examples above illustrate why all drivers should compare rates for a targeted area and their own driving history, instead of making a decision based on 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 Details
The chart below illustrates 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 each year
- The average price for a good driver age 40 who has $500 deductibles is $832
- Choosing low deductibles for comprehensive and collision insurance costs an extra $98 annually
- Drivers with multiple violations and an at-fault accident could pay up to $1,782 or more
- Policy cost to insure a 16-year-old driver 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 risk profile, and the model year and trim level.
Choosing high deductibles could save up to $150 annually, whereas increasing liability limits will increase premiums. Switching 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
More mature drivers with a good driving record and higher deductibles may pay as low as $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 are probably paying $1,000 to $1,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 40% to 133% more than average. View High Risk Driver Rates
Your home state makes a big difference in Scion xB insurance prices. A 40-year-old driver could pay as low as $550 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,130 on average in Florida, New York, and Michigan.
| 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 only way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. 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 Cheap Scion xB Insurance
Finding cheaper rates on insurance for a Scion xB not only requires having a good driving record, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The next list is a brief summary of the material that was touched on above.
- Insureds who want increased levels of liability coverage will pay about $490 annually to go from a 30/60 limit to a 250/500 level
- Drivers age 20 and younger are the costliest to insure, possibly costing $290 each month if comprehensive and collision insurance is included
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $950 more annually to buy Scion xB insurance
- Increasing comprehensive and collision deductibles could save as much as $150 each year
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
