Scion xB Insurance Rates
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Michelle Robbins
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UPDATED: Jun 3, 2023
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Estimated insurance prices for a Scion xB are $832 every 12 months for full coverage. Comprehensive insurance costs around $116, collision costs $116, and liability coverage is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing $1,782 or more. Teenage drivers pay the most at $3,476 a year or more.
Average premium for full coverage: $832
Premium estimates for type of coverage:
Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all xB models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Scion xB go from the cheapest price of $496 for a discount liability-only rate to the much higher price of $1,782 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities.
The example below illustrates how geographic area affects auto insurance rates.
These rate differences show why everyone should get quotes for a specific zip code and their own driving history, rather than using average rates.
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.
Rates by State, City, and Model
The chart below shows estimated Scion xB insurance rates for additional coverage choices and driver risks.
- The best discount rate is $522
- Choosing higher $1,000 deductibles can save about $52 a year
- The average price for a 40-year-old good driver using $500 deductibles is $832
- Using pricier low deductibles for comp and collision coverage costs an extra $98 each year
- Drivers who are prone to accidents and violations could pay at least $1,782 or more
- An auto insurance policy to insure a teenage driver for full coverage can be $3,476 each year
Insurance prices for a Scion xB also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles can save as much as $150 a year, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $3,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,000 to $1,400 additional annually, depending on your age. Scion xB insurance for high-risk drivers ranges around 40% to 133% more than a normal policy. View High Risk Driver Rates
Where you choose to live 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 Idaho, Maine, and Iowa, or be forced to pay as much as $1,190 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know your exact price is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, and prices will be substantially different.
| 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 the Best Scion xB Insurance
Finding better rates on auto insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
Below is a brief recap of the material that was presented in the illustrations above.
- Consumers who may need higher levels of liability will pay an extra $490 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers are charged the highest prices, as much as $290 per month if full coverage is included
- Drivers who tend to receive serious violations may pay on average $950 more every year for auto insurance
- Increasing policy 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.
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