Scion xB Insurance Rates

The average insurance rates for a Scion xB are $832 a year for full coverage insurance. Comprehensive insurance costs an estimated $116 a year, collision insurance costs $116, and liability coverage is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $1,782 or more. 16-year-old drivers cost the most to insure at up to $3,476 a year.

Average premium for full coverage: $832

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and xB trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how your location can change insurance prices.

The examples above illustrate why it is important to get quotes for a targeted area, rather than using rate averages.

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

Additional Rate Analysis

The chart below illustrates average Scion xB insurance rates for other coverage scenarios.

• The best full coverage rate is $522
• Choosing higher $1,000 deductibles can save approximately $780 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $832
• Buying low $100 deductibles for comp and collision coverage will cost an additional $98 each year
• Drivers with multiple tickets or accidents could pay up to $1,782
• Policy cost that insures a teenage driver can cost as much as $3,476 each year

View Chart as Image

Insurance rates for a Scion xB also range considerably based on the trim level of your xB, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy ranges around 40% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $3,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Scion xB insurance rates. A good driver about age 40 could pay as low as $550 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,130 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $150 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Scion xB Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having above-average credit, being claim-free, and deciding if full coverage is necessary. Comparison shop every other policy renewal by quoting rates from direct insurance companies, and also from local insurance agencies.

Below you'll find a quick review of the ideas that were illustrated above.

• Youthful drivers are charged the highest rates, possibly costing $290 each month if full coverage is included
• Drivers with a DUI or reckless driving violation may have to pay on average $950 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $150 each year
• It is possible to save approximately $90 per year just by quoting early and online