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: Jun 3, 2023

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The average insurance rates for a Scion xB are $832 a year including full coverage. Comprehensive costs an estimated $116 each year, collision insurance costs $116, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs around $1,782. 16-year-old drivers cost the most to insure at up to $3,476 a year.

Average premium for full coverage: $832

Policy rates broken down by type of insurance:

Comprehensive $116
Collision $116
Liability $442

Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and xB models.

Price Range Variability

For an average driver, Scion xB insurance rates range from as low as $496 for liability-only coverage to a high rate of $1,782 for a driver who requires high-risk insurance.

Liability Only $496
Full Coverage $832
High Risk $1,782

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $624
Small Cities $874
Large Cities $1,123

The examples above highlight why all drivers should get quotes for a targeted area and risk profile, instead of using 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 Charts and Tables

The chart below breaks down average Scion xB insurance rates for other coverage scenarios.

  • The best full coverage rate is $522
  • Choosing higher $1,000 deductibles can save approximately $52 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $832
  • Buying low deductibles for comp and collision coverage will increase the cost to $930
  • Unlucky drivers with multiple tickets or accidents could pay up to $1,782
  • Policy cost for full coverage for a teen driver can cost as much as $3,476 each year

View Chart as Image

Scion xB insurance cost comparison chart
Column chart showing Scion xB insurance rates range from $522 to $3,476 for full coverage

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

More mature drivers with a good driving record and high deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $3,400 a year. View Rates by Age

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

Scion xB Insurance Rates by State
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%

View Chart as Image

Scion xB insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $150 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,000 to $1,400 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges as much as 40% to 133% more than the average rate. View High Risk Driver Rates

Scion xB Insurance Rates by Model Year
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 Find Cheaper Scion xB Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a condensed summary of the concepts that were covered in the above illustrations.

  • Higher risk drivers with multiple at-fault accidents may pay on average $950 more annually for xB insurance
  • Teens are the costliest to insure, with premiums being up to $290 each month if they have full coverage
  • You may be able to save approximately $90 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $150 each year
  • You may be able to save approximately $90 per year just by quoting online in advance

Rates by Driver Age

Scion xB Insurance 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

Scion xB Insurance Rates with Different Deductibles
Deductible Premium
$100 $930
$250 $886
$500 $832
$1,000 $780

Full coverage, driver age 40

Rates by Liability Limit

Scion xB Insurance Rates with Different Liability Limits
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

Scion xB Insurance 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.

SR-22 Surcharge $107

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
Rate after discounts $522

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

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