Scion xB Insurance Rates

The average insurance prices for a Scion xB are $832 every 12 months including full coverage. Comprehensive costs approximately $116, collision insurance costs $116, and liability coverage is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs around $1,782. Teen drivers cost the most to insure at up to $3,476 a year.

Average premium for full coverage: $832

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different xB trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how your location can change auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $522
• Choosing higher $1,000 deductibles can save $52 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $832
• Choosing more expensive low deductibles for comp and collision coverage increases the price to $930
• Drivers with multiple violations and an at-fault accident could pay around $1,782
• Policy cost to insure a teenage driver with full coverage can cost $3,476 each year

View Chart as Image

Auto insurance rates for a Scion xB also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your xB.

Choosing high deductibles can save as much as $150 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by 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 only pay around $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $3,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,000 to $1,400 in extra premium every year, depending on your age. High-risk driver insurance ranges around 40% to 133% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Scion xB insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,190 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for Cheap Scion xB Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to shop around every year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a brief summary of the coverage data illustrated above.

• You may be able to save around $90 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $150 each year
• Teenage drivers have the highest car insurance rates, with premiums being up to $290 each month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations could be charged and average of $950 more per year for auto insurance