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, collision insurance costs $116, and liability coverage costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs $1,782 or more. Teens cost the most to insure at up to $3,476 a year.

Average premium for full coverage: $832

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all xB models.

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 cities with more traffic congestion. The example below illustrates how where you live affects auto insurance prices.

The examples above illustrate why everyone should compare prices using their specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $522
• Using higher $1,000 deductibles will save $52 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $832
• Selecting pricier low deductibles for physical damage coverage costs an extra $98 each year
• Higher-risk drivers with serious driving violations could pay around $1,782
• Policy cost to insure a teenage driver for full coverage can cost $3,476 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $150 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations 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 will be charged 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. Scion xB insurance for high-risk drivers can be around 40% to 133% more than the average 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 have to pay at least $1,130 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for Affordable Scion xB Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Take the time to comparison shop every other policy renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief review of the ideas that were touched on in the above illustrations.

• Teen drivers pay the highest auto insurance rates, possibly costing $290 each month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions may have to pay on average $950 more per year to insure their xB
• 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 online well ahead of the renewal date