Scion xB Insurance Rates
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UPDATED: Jun 3, 2023
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The average insurance rates for a Scion xB are $832 a year for full coverage. Comprehensive costs around $116, collision costs $116, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $1,782. Teens cost the most to insure at $3,476 a year or more.
Average premium for full coverage: $832
Policy rates for type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different xB trim levels.
Price Range Variability
Using a middle-aged driver as an example, Scion xB insurance rates go from the low end price of $496 for just liability insurance to a much higher rate of $1,782 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on averaged prices.
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 Details
The chart below shows estimated Scion xB insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $522
- Drivers who choose higher $1,000 deductibles will pay about $52 a year
- The estimated price for a good driver age 40 using $500 deductibles is $832
- Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $930
- Drivers with serious driving violations could pay at least $1,782 or more
- Policy cost that insures a 16-year-old driver with full coverage can be $3,476 a year
Auto insurance rates for a Scion xB also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $1,000 to $1,400 in extra premium every year, depending on your age. High-risk driver insurance can cost from 40% to 133% more than the average policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $3,400 a year. View Rates by Age
Your home state makes a big difference in Scion xB insurance prices. A 40-year-old driver could pay as low as $550 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,190 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $150 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know your exact price is to compare rates from multiple companies. Every company calculates rates differently, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Scion xB | $188 | $252 | $460 | $1,058 |
| 2014 Scion xB | $180 | $236 | $464 | $1,038 |
| 2013 Scion xB | $176 | $220 | $474 | $1,028 |
| 2012 Scion xB | $164 | $206 | $474 | $1,002 |
| 2009 Scion xB | $140 | $154 | $474 | $926 |
| 2008 Scion xB | $134 | $138 | $468 | $898 |
| 2006 Scion xB | $130 | $130 | $452 | $870 |
| 2005 Scion xB | $120 | $124 | $446 | $848 |
| 2004 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 Find More Affordable Scion xB Insurance
Finding cheaper rates on insurance for a Scion xB not only requires avoiding accidents and violations, but also maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every year by obtaining price quotes from direct carriers, and also from several local insurance agents.
The list below is a summary of the coverage data touched on in the above illustrations.
- Drivers can save up to $90 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $150 each year
- Teenagers are expensive to insure, costing up to $290 each month if the policy includes full coverage
- Drivers considered higher risk who have multiple accidents or major violations pay on average $950 more every year for car insurance
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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