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 prices for a Scion xB are $832 every 12 months including full coverage. Comprehensive costs on average $116, collision costs $116, and liability insurance is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $1,782. Teens pay the highest rates at $3,476 a year or more.

Average premium for full coverage: $832

Price estimates by individual coverage:

Comprehensive $116
Collision $116
Liability $442

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all xB models.

Price Range from Low to High

For the average driver, Scion xB insurance prices go from the cheapest price of $496 for basic liability insurance to the much higher price of $1,782 for a policy for a high-risk driver.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location impacts car insurance rates.

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

The ranges above highlight why everyone should compare rates quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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 breaks down estimated Scion xB insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $522
  • Raising to $1,000 deductibles will save around $52 every year
  • The average price for the average middle-age driver with $500 deductibles is $832
  • Selecting pricier low deductibles increases the price to $930
  • Higher-risk drivers with serious driving violations could pay upwards of $1,782 or more
  • The price to insure a teen driver for full coverage may cost $3,476

View Chart as Image

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

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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $150 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability 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

A more mature driver with no driving violations and higher deductibles could pay as little as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $3,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,000 to $1,400 extra each year, depending on your age. Scion xB insurance for high-risk drivers is expensive and can cost anywhere from 40% to 133% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Scion xB insurance rates. A middle-age driver might find prices as low as $640 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,190 on average in Michigan, New York, and Louisiana.

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

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes may be quite different.

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 Shop for the Best Cheap Scion xB Insurance

Getting lower rates on Scion xB insurance consists of being safe and accident-free, maintaining a good credit score, being claim-free, and maximizing policy discounts. Spend time shopping around every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick review of the coverage data touched on above.

  • You may be able to save as much as $90 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save as much as $150 each year
  • Youthful drivers are expensive to insure, possibly costing $290 a month if the policy includes full coverage
  • High-risk drivers with a DUI or reckless driving violation may pay on average $950 more each year than a low-risk driver

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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