Scion xB Insurance Rates

Average insurance prices for a Scion xB are $832 every 12 months including full coverage. Comprehensive insurance costs around $116 a year, collision insurance costs $116, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $1,782 or more. Teens receive the highest rates at up to $3,476 a year.

Average premium for full coverage: $832

Rate estimates for individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and xB trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.

These examples highlight why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below breaks down average Scion xB insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $522
• Choosing higher $1,000 deductibles can save about $780 every year
• The average price for a 40-year-old driver using $500 deductibles is $832
• Selecting low $100 deductibles for comp and collision coverage costs an extra $98 annually
• Higher-risk drivers with serious driving violations could pay at least $1,782
• The cost to insure a 16-year-old driver can be $3,476 each year

View Chart as Image

Insurance rates for a Scion xB can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $150 annually, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $3,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,000 to $1,400 extra per year, depending on your age. A high-risk auto insurance policy ranges from 40% to 133% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Scion xB insurance prices. A good driver about age 40 could pay 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.

View Chart as Image

How to Shop for the Best Cheap Scion xB Insurance

Saving money on insurance for a Scion xB takes avoiding accidents and violations, having good credit, not filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a quick review of the material that was touched on above.

• Insureds who may need higher liability limits will pay approximately $490 per year to raise limits from a minimum limit to a 250/500 level
• Teenagers pay higher rates, as much as $290 per month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $950 more every year for car insurance
• Increasing deductibles could save as much as $150 each year