Scion xB Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2023
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U.S. average insurance rates for a Scion xB are $832 a year with full coverage. Comprehensive insurance costs an estimated $116 each year, collision costs $116, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $1,782 or more. Teenage drivers pay the highest rates at $3,476 a year or more.
Average premium for full coverage: $832
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and xB models.
Price Range from Low to High
For the average driver, Scion xB insurance prices go from as low as $496 for your basic liability-only policy to a high rate of $1,782 for a high-risk driver policy.
Geographic Price Range
Your location has a significant impact on car insurance rates. More rural locations have a lower frequency of collision claims than densely populated cities.
The graphic below illustrates how location impacts insurance prices.
The ranges above demonstrate why all drivers should compare rates for a targeted area and risk profile, rather than relying on 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 details estimated Scion xB insurance rates for other coverage scenarios.
- The best discount rate is $522
- Drivers who choose higher $1,000 deductibles will pay approximately $52 annually
- The average rate for the average middle-age driver who has $500 deductibles is $832
- Using low deductibles for comprehensive and collision insurance will cost an extra $98 a year
- High risk drivers who are prone to accidents and violations could pay up to $1,782 or more
- The price for full coverage for a teen driver can cost as much as $3,476 a year
Car insurance prices for a Scion xB are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles could pay as little as $800 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $3,400 a year. View Rates by Age
The state you live in makes a big difference in Scion xB insurance rates. A 40-year-old driver could pay as low as $600 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,130 on average in New York, Michigan, 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% |
Using high physical damage deductibles could save up to $150 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out $1,000 to $1,400 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 40% to 133% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Scion xB | $180 | $236 | $464 | $1,038 |
| 2014 Scion xB | $176 | $220 | $474 | $1,028 |
| 2013 Scion xB | $164 | $206 | $474 | $1,002 |
| 2012 Scion xB | $158 | $186 | $478 | $980 |
| 2009 Scion xB | $134 | $138 | $468 | $898 |
| 2008 Scion xB | $132 | $136 | $460 | $886 |
| 2006 Scion xB | $120 | $124 | $446 | $848 |
| 2005 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 Affordable Scion xB Insurance
Getting lower rates on Scion xB insurance not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around every time your policy renews by requesting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a brief review of the information touched on above.
- You may be able to save approximately $90 per year simply by quoting online in advance
- Drivers under the age of 20 have the highest car insurance prices, costing up to $290 a month if full coverage is included
- Increasing physical damage deductibles can save around $150 each year
- High-risk drivers with DUI or reckless driving convictions may pay on average $950 more annually to insure a Scion xB
- Drivers who want increased liability limits will pay an extra $490 every year to go from a low limit to 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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