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 costs around $116 each year, collision costs $116, and liability insurance is $442. A policy with just liability insurance costs around $496 a year, with coverage for high-risk drivers costing around $1,782. 16-year-old drivers pay the highest rates at $3,476 a year or more.
Average premium for full coverage: $832
Price estimates for individual coverage:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and xB models.
Price Range from Low to High
For a 40-year-old driver, Scion xB insurance prices go from the low end price of $496 for just the minimum liability insurance to a high rate of $1,782 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities.
The graphic below illustrates how your location can change auto insurance rates.
The ranges above demonstrate why all drivers should compare rates quotes for a specific zip code, rather than relying on rate averages.
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.
Additional Rate Analysis
The chart below details estimated Scion xB insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $522
- Raising to $1,000 deductibles will save about $52 annually
- The estimated price for the average middle-age driver using $500 deductibles is $832
- Buying low deductibles bumps up the cost to $930
- Higher-risk drivers with multiple tickets or accidents could pay at least $1,782 or more
- The price that insures a teen driver can be $3,476
Insurance prices for a Scion xB are also quite variable based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,000 to $1,400 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 40% to 133% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $800 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $3,400 a year. View Rates by Age
The state you live in also has a big influence on Scion xB insurance rates. A middle-age driver might find prices as low as $600 a year in states like New Hampshire, Ohio, and Utah, or at least $1,130 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $150 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the 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 Find Low Cost Scion xB Insurance
Getting lower rates on Scion xB insurance consists of avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Comparison shop every other policy renewal by quoting rates from direct companies, and also from your local independent and exclusive agents.
The points below are a review of the ideas that were illustrated above.
- Drivers under the age of 20 pay higher prices, costing up to $290 a month if full coverage is included
- High-risk drivers who have several accidents or serious violations may pay on average $950 more every year to insure a Scion xB
- Increasing physical damage deductibles can save approximately $150 each year
- You may be able to save up to $90 per year simply by quoting online in advance
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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