Scion xB Insurance Rates

The average auto insurance rates for a Scion xB are $832 annually with full coverage. Comprehensive costs around $116, collision insurance costs $116, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs around $1,782. 16-year-old drivers cost the most to insure at up to $3,476 a year.

Average premium for full coverage: $832

Policy rates for type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all xB models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than congested cities. The example below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $522
• Using higher $1,000 deductibles will save about $52 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $832
• Buying pricier low deductibles for physical damage coverage will cost $930
• High-risk insureds with multiple tickets or accidents could pay at least $1,782
• Policy cost with full coverage for a 16-year-old driver for full coverage can be $3,476 or more

View Chart as Image

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $3,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,000 to $1,400 extra every year, depending on your age. Scion xB insurance for high-risk drivers can be from 40% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $150 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Scion xB insurance prices. A driver around age 40 might see rates as low as $600 a year in states like New Hampshire, Ohio, and Utah, or at least $1,130 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy the Best Scion xB Insurance

Finding cheaper rates on insurance for a Scion xB requires being a low-risk driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief recap of the coverage data presented in the illustrations above.

• You may be able to save up to $90 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $150 each year
• Teen drivers pay higher rates, as much as $290 each month including comprehensive and collision insurance
• Drivers considered higher risk who tend to receive serious violations may pay on average $950 more every year to insure their xB