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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Estimated insurance prices for a Scion xB are $832 every 12 months for full coverage. Comprehensive costs an estimated $116, collision insurance costs $116, and liability costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,782. Teen drivers pay the most at up to $3,476 a year.
Average premium for full coverage: $832
Premium estimates broken down by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different xB trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Scion xB range from the cheapest price of $496 for the bare minimum liability coverage to a much higher rate of $1,782 for a high-risk driver policy.
Insurance Price Range by Location
Your location can have significant affects on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of using price 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 Information
The chart below shows average Scion xB insurance rates for other coverage scenarios.
- The lowest rate with discounts is $522
- Drivers who choose higher $1,000 deductibles will pay approximately $52 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $832
- Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $930
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,782
- An auto insurance policy to insure a teen driver with full coverage can cost as much as $3,476 a year
Auto insurance prices for a Scion xB also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Choosing high deductibles could save up to $150 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $3,400 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $1,000 to $1,400 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 40% to 133% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Scion xB insurance prices. A 40-year-old driver could pay as low as $550 a year in states like Iowa, Maine, and Idaho, or as much as $1,190 on average in New York, Louisiana, 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% |
| 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 Best Scion xB Insurance
Finding better rates on car insurance not only requires having a decent driving record, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates every time your policy renews by requesting quotes from direct carriers, and also from several local insurance agents.
The following items are a brief recap of the information covered above.
- Drivers can save approximately $90 per year just by shopping early and online
- 16 to 18-year-old drivers are the costliest to insure, as much as $290 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save as much as $150 each year
- Higher risk drivers who tend to receive serious violations pay on average $950 more annually than a driver with a clean driving record
- Policyholders who want additional liability coverage will pay about $490 each year to go from 30/60 bodily injury limits to a 250/500 level
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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