Scion xB Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 23, 2022

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Estimated auto insurance rates for a Scion xB are $870 annually for full coverage insurance. Comprehensive insurance costs around $130, collision insurance costs $130, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs $1,858 or more. 16-year-old drivers pay the most at up to $3,586 a year.

Average premium for full coverage: $870

Premium estimates for type of coverage:

Comprehensive $130
Collision $130
Liability $452

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different xB trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Scion xB range from as cheap as $504 for just liability insurance to a much higher rate of $1,858 for a driver who has had serious violations or accidents.

Liability Only $504
Full Coverage $870
High Risk $1,858

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities. The price range example below illustrates how geographic area affects auto insurance rates.

Rural Areas $653
Small Cities $914
Large Cities $1,175

These rate differences illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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.

More Rate Details

The chart below illustrates average Scion xB insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $542
  • Choosing higher $1,000 deductibles can save about $60 each year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $870
  • Buying more expensive low deductibles for comp and collision coverage costs an additional $110 annually
  • Higher-risk drivers with multiple tickets or accidents could pay at least $1,858
  • An auto insurance policy with full coverage for a 16-year-old driver with full coverage can be $3,586 each year

View Chart as Image

Scion xB insurance cost comparison chart
Column chart showing Scion xB insurance prices range from $542 to $3,586 for full coverage

Insurance prices for a Scion xB also have a wide range based on the model of your xB, your risk profile, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $3,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,000 to $1,500 additional annually, depending on your age. High-risk driver insurance ranges from 42% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $170 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Scion xB insurance prices. A good driver about age 40 could pay as low as $570 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,180 on average in Michigan, New York, and Florida.

Scion xB Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $786 -$84 -9.7%
Alaska $668 -$202 -23.2%
Arizona $722 -$148 -17.0%
Arkansas $870 -$0 0.0%
California $990 $120 13.8%
Colorado $830 -$40 -4.6%
Connecticut $894 $24 2.8%
Delaware $984 $114 13.1%
Florida $1,090 $220 25.3%
Georgia $802 -$68 -7.8%
Hawaii $624 -$246 -28.3%
Idaho $588 -$282 -32.4%
Illinois $648 -$222 -25.5%
Indiana $654 -$216 -24.8%
Iowa $586 -$284 -32.6%
Kansas $826 -$44 -5.1%
Kentucky $1,186 $316 36.3%
Louisiana $1,288 $418 48.0%
Maine $536 -$334 -38.4%
Maryland $716 -$154 -17.7%
Massachusetts $696 -$174 -20.0%
Michigan $1,510 $640 73.6%
Minnesota $728 -$142 -16.3%
Mississippi $1,040 $170 19.5%
Missouri $770 -$100 -11.5%
Montana $934 $64 7.4%
Nebraska $686 -$184 -21.1%
Nevada $1,044 $174 20.0%
New Hampshire $628 -$242 -27.8%
New Jersey $972 $102 11.7%
New Mexico $770 -$100 -11.5%
New York $916 $46 5.3%
North Carolina $502 -$368 -42.3%
North Dakota $712 -$158 -18.2%
Ohio $602 -$268 -30.8%
Oklahoma $892 $22 2.5%
Oregon $796 -$74 -8.5%
Pennsylvania $830 -$40 -4.6%
Rhode Island $1,160 $290 33.3%
South Carolina $788 -$82 -9.4%
South Dakota $734 -$136 -15.6%
Tennessee $762 -$108 -12.4%
Texas $1,050 $180 20.7%
Utah $644 -$226 -26.0%
Vermont $596 -$274 -31.5%
Virginia $520 -$350 -40.2%
Washington $672 -$198 -22.8%
West Virginia $796 -$74 -8.5%
Wisconsin $602 -$268 -30.8%
Wyoming $776 -$94 -10.8%

View Chart as Image

Scion xB insurance rates by U.S. city
Scion xB Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Scion xB $200 $274 $460 $1,092
2014 Scion xB $188 $252 $460 $1,058
2013 Scion xB $180 $236 $464 $1,038
2012 Scion xB $176 $220 $474 $1,028
2009 Scion xB $148 $170 $474 $950
2008 Scion xB $140 $154 $474 $926
2006 Scion xB $132 $136 $460 $886
2005 Scion xB $130 $130 $452 $870
2004 Scion xB $120 $124 $446 $848

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 Buy More Affordable Scion xB Insurance

Finding better rates on insurance for a Scion xB takes being a good driver, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates every other policy renewal by getting quotes from direct insurance companies, and also from several local insurance agents.

The following list is a summary of the ideas that were presented in the illustrations above.

  • Drivers age 16 to 20 are charged the highest prices, with premiums being up to $299 per month if they have full coverage
  • Drivers considered higher risk who have multiple accidents or major violations pay on average $990 more every year than a safer driver
  • Increasing policy deductibles could save up to $175 each year
  • It is possible to save up to $90 per year just by shopping early and online

Rates by Driver Age

Scion xB Insurance Rates by Driver Age
Driver Age Premium
16 $3,586
20 $1,976
30 $876
40 $870
50 $800
60 $782

Full coverage, $500 deductibles

Rates by Deductible

Scion xB Insurance Rates with Different Deductibles
Deductible Premium
$100 $980
$250 $930
$500 $870
$1,000 $810

Full coverage, driver age 40

Rates by Liability Limit

Scion xB Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $870
50/100 $960
100/300 $1,073
250/500 $1,367
100 CSL $1,006
300 CSL $1,254
500 CSL $1,435

Full coverage, driver age 40

Rates for High Risk Drivers

Scion xB Insurance Rates for High Risk Drivers
Age Premium
16 $5,022
20 $3,142
30 $1,862
40 $1,858
50 $1,776
60 $1,758

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.

SR-22 Surcharge $113

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $43
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $48
5-yr Claim Free $53
Paid in Full/EFT $28
Advance Quote $36
Online Quote $57
Total Discounts $328
Rate after discounts $542

Discounts are estimated and may not be available from every company or in every state.

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