Scion xB Insurance Rates
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UPDATED: Jun 3, 2023
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The average insurance prices for a Scion xB are $832 every 12 months for full coverage. Comprehensive insurance costs on average $116, collision insurance costs $116, and liability costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs $1,782 or more. 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:
Rates are based on $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different xB trim levels.
Price Range Variability
For the normal driver, Scion xB insurance rates range from the cheapest price of $496 for just liability insurance to a much higher rate of $1,782 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects car insurance rates.
The examples above show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.
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 shows average Scion xB insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $522
- Using higher $1,000 deductibles will save around $52 a year
- The average price for a good driver age 40 with $500 deductibles is $832
- Selecting more expensive low deductibles for physical damage coverage costs an extra $98 annually
- High-risk insureds with serious driving violations could pay upwards of $1,782
- Policy cost to insure a 16-year-old driver with full coverage may cost $3,476 or more
Auto insurance rates for a Scion xB also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your xB.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $150 annually, while increasing your policy's liability limits will cost you more. Going 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 pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards 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 could be paying at a minimum $1,000 to $1,400 in extra premium every year, depending on your age. High-risk driver insurance can be from 40% to 133% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on Scion xB insurance prices. A driver around age 40 might see rates as low as $550 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,190 on average in Michigan, Louisiana, 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Scion xB | $188 | $252 | $460 | $1,058 |
| 2014 Scion xB | $180 | $236 | $464 | $1,038 |
| 2013 Scion xB | $176 | $220 | $474 | $1,028 |
| 2012 Scion xB | $164 | $206 | $474 | $1,002 |
| 2009 Scion xB | $140 | $154 | $474 | $926 |
| 2008 Scion xB | $134 | $138 | $468 | $898 |
| 2006 Scion xB | $130 | $130 | $452 | $870 |
| 2005 Scion xB | $120 | $124 | $446 | $848 |
| 2004 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 Cheap Scion xB Insurance
Finding cheaper rates on insurance for a Scion xB requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates once a year by getting quotes from direct carriers, and also from local independent and exclusive agents.
The next list is a quick review of the data that was presented in the illustrations above.
- Drivers can save as much as $90 per year just by shopping early and online
- Insureds who require increased levels of liability coverage will pay approximately $490 each year to increase from a 30/60 limit to a 250/500 level
- Drivers age 20 and younger are charged the highest rates, costing up to $290 each month if comprehensive and collision insurance is included
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $950 more each year to buy Scion xB insurance
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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