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 prices for a Scion xB are $832 every 12 months including full coverage. Comprehensive insurance costs on average $116 a year, collision costs $116, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage 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 by individual coverage:
Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and xB trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Scion xB insurance prices go from the cheapest price of $496 for just liability insurance to a high of $1,782 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates how where you live affects car insurance rates.
The ranges above highlight why it is important to compare rates quotes based on a specific location and their own driving history, instead of making a decision based 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 Details
The chart below breaks down estimated Scion xB insurance rates for different risk profiles and scenarios.
- The best discount rate is $522
- Raising to $1,000 deductibles will save around $780 every year
- The average price for the average middle-age driver with $500 deductibles is $832
- Using low $100 deductibles costs an extra $98 annually
- Drivers who are prone to accidents and violations could pay upwards of $1,782 or more
- The price to insure a 16-year-old driver may cost $3,476
Auto insurance prices for a Scion xB are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your xB.
Using high physical damage deductibles can reduce prices by up to $150 annually, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $3,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,000 to $1,400 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 40% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Scion xB insurance prices. A middle-age driver might find prices as low as $640 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,190 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.
| 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 Shop for the Cheapest Scion xB Insurance
Getting lower rates on insurance for a Scion xB consists of being a safe and courteous driver, having a good credit score, being claim-free, and taking advantage of discounts. Take the time to comparison shop at every other renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a recap of the concepts that were touched on in the above illustrations.
- Drivers considered higher risk that have major violations or accidents may pay on average $950 more each year for auto insurance
- Teenage drivers are charged the highest prices, possibly costing $290 a month if comprehensive and collision insurance is included
- You may be able to save as much as $90 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $150 each year
- You may be able to save as much as $90 per year simply by quoting early and online
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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