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...
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UPDATED: Jun 3, 2023
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Average insurance rates for a Scion xB are $832 a year including full coverage. Comprehensive insurance costs an estimated $116, collision costs $116, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing $1,782 or more. Teenage drivers receive the highest rates at $3,476 a year or more.
Average premium for full coverage: $832
Rate estimates broken down by individual coverage type:
Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different xB trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $496 for your basic liability-only policy to a much higher rate of $1,782 for a high-risk driver policy.
Price Range by Location
Living in a larger city can have significant affects on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities.
The price range example below illustrates how geographic area affects insurance prices.
These examples highlight why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of using 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 breaks down estimated Scion xB insurance rates for other coverage scenarios.
- The best discount rate is $522
- Choosing higher $1,000 deductibles can save approximately $52 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $832
- Using more expensive low deductibles for comp and collision coverage will cost an extra $98 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $1,782 or more
- The cost for full coverage for a teen driver with full coverage can cost as much as $3,476 each year
Insurance rates for a Scion xB can also vary considerably based on your driver profile, the model of your xB, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $3,400 a year. View Rates by Age
Where you live plays a big part in determining prices for Scion xB insurance prices. A good driver about age 40 could pay as low as $640 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,190 on average in Louisiana, New York, and Michigan.
| 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 can save as much as $150 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,000 to $1,400 additional per year, depending on your age. High-risk driver insurance ranges as much as 40% to 133% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Scion xB | $176 | $220 | $474 | $1,028 |
| 2014 Scion xB | $164 | $206 | $474 | $1,002 |
| 2013 Scion xB | $158 | $186 | $478 | $980 |
| 2012 Scion xB | $148 | $170 | $474 | $950 |
| 2009 Scion xB | $132 | $136 | $460 | $886 |
| 2008 Scion xB | $130 | $130 | $452 | $870 |
| 2006 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
Saving money on car insurance takes being a low-risk driver, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The items below are a brief review of the information presented in the illustrations above.
- You may be able to save approximately $90 per year simply by shopping early and online
- Teen drivers are expensive to insure, as much as $290 per month including comprehensive and collision insurance
- Increasing deductibles can save around $150 each year
- Higher risk drivers with DUI or reckless driving convictions may pay on average $950 more annually to insure their xB
- Policyholders who want more liability coverage will pay an extra $490 per year to raise limits from a minimum 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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