Scion xB Insurance Rates

The average insurance rates for a Scion xB are $832 a year for full coverage. Comprehensive costs approximately $116, collision insurance costs $116, and liability coverage is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs around $1,782. Teens cost the most to insure at up to $3,476 a year.

Average premium for full coverage: $832

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all xB models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.

The examples above show why everyone should compare rates quotes using their specific location, rather than using averaged prices.

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

Additional Rate Details

The chart below shows average Scion xB insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $522
• Raising to $1,000 deductibles will save $52 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $832
• Selecting pricier low deductibles bumps up the cost to $930
• Unlucky drivers with serious driving violations could pay around $1,782
• Policy cost that insures a teenage driver for full coverage can cost $3,476

View Chart as Image

Auto insurance rates for a Scion xB also range considerably based on the model of your xB, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,000 to $1,400 in extra premium every year, depending on your age. Scion xB insurance for high-risk drivers is expensive and can cost around 40% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $800 every 12 months 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 in the ballpark of $3,400 a year. View Rates by Age

Your home state also has a big influence on Scion xB insurance rates. A middle-age driver might find rates as low as $550 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,190 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $150 a year, whereas buying more liability protection will push rates upward. 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

How to Find Cheaper Scion xB Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Compare rates at every policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The points below are a condensed summary of the data touched on in this article.

• Consumers who purchase increased liability limits will pay approximately $490 each year to raise from a 30/60 limit to the 250/500 level
• Drivers can save around $90 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $150 each year
• Drivers under the age of 20 have the highest car insurance rates, costing up to $290 each month if the policy includes full coverage