Scion xB Insurance Rates

The average insurance prices for a Scion xB are $832 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $116 a year, collision insurance costs $116, and liability coverage costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs $1,782 or more. Teenage 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:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and xB trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own driving history, rather than using average rates.

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

Additional Charts and Tables

The chart below illustrates average Scion xB insurance rates for additional coverage and risk scenarios.

• The best discount rate is $522
• Using higher $1,000 deductibles will save $780 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $832
• Using low $100 deductibles for physical damage coverage costs an extra $98 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $1,782
• Policy cost to insure a teenage driver can cost $3,476 or more

View Chart as Image

Insurance rates for a Scion xB also range considerably based on liability limits and deductibles, your risk profile, and the model of your xB.

Using high physical damage deductibles could cut rates by as much as $150 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $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 anywhere from $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy can be around 40% to 133% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Scion xB insurance rates. A driver around age 40 might see rates as low as $550 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,130 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for Low Cost Scion xB Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having good credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop at every other renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

The following items are a review of the concepts that were touched on in the above illustrations.

• Drivers who have several accidents or serious violations may have to pay on average $950 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, possibly costing $290 each month if they have full coverage
• It is possible to save around $90 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $150 each year
• It is possible to save around $90 per year just by quoting early and online