Scion xB Insurance Rates
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Michelle Robbins
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UPDATED: Jun 3, 2023
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Estimated auto insurance rates for a Scion xB are $832 annually for full coverage insurance. Comprehensive costs on average $116, collision costs $116, and liability is $442. A policy with only liability insurance costs around $496 a year, with a high-risk policy costing around $1,782. Teenage drivers pay the most at $3,476 a year or more.
Average premium for full coverage: $832
Premium estimates by type of coverage:
Estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different xB trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Scion xB go from as cheap as $496 for your basic liability-only policy to a much higher rate of $1,782 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities.
The price range example below illustrates how location helps determine car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of 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.
More Rate Information
The chart below illustrates estimated Scion xB insurance rates for different risk profiles and scenarios.
- The best discount rate is $522
- Raising to $1,000 deductibles will save around $52 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $832
- Using more expensive low deductibles will cost $930
- At-risk drivers who are prone to accidents and violations could pay upwards of $1,782 or more
- An auto insurance policy with full coverage for a teen driver with full coverage may cost $3,476
Car insurance prices for a Scion xB also have a wide range based on the model of your xB, your risk profile, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $3,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,000 to $1,400 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 40% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $150 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Scion xB insurance prices. A middle-age driver might find prices as low as $550 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,130 on average in Michigan, New York, and Florida.
| 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 figure out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different between companies.
| 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 Buy Low Cost Scion xB Insurance
Finding better rates on car insurance consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at least every other year by obtaining price quotes from direct insurance companies, and also from local exclusive and independent agents.
The next list is a review of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers who have several accidents or serious violations may pay on average $950 more each year to buy Scion xB insurance
- It is possible to save as much as $90 per year simply by shopping early and online
- Increasing policy deductibles could save up to $150 each year
- Policyholders who require increased levels of liability coverage will pay an extra $490 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
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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