Scion xB Insurance Rates
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UPDATED: Jun 3, 2023
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U.S. average insurance rates for a Scion xB are $848 a year with full coverage. Comprehensive insurance costs an estimated $120, collision costs $124, and liability coverage costs around $446. Liability-only insurance costs as low as $500 a year, with high-risk driver insurance costing $1,814 or more. Teen drivers pay the highest rates at $3,526 a year or more.
Average premium for full coverage: $848
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different xB trim levels.
Price Range from Low to High
For a driver around age 40, Scion xB insurance prices go from as low as $500 for just liability insurance to a much higher rate of $1,814 for a high-risk insurance policy.
Geographic Price Range
Where you live has a large influence on car insurance rates. More rural locations have a lower frequency of collision claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than 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.
More Rate Details
The chart below details estimated Scion xB insurance rates for other coverage scenarios.
- The lowest rate with discounts is $530
- Using higher $1,000 deductibles will save approximately $58 annually
- The average rate for the average middle-age driver who has $500 deductibles is $848
- Choosing more expensive low deductibles for physical damage coverage will cost an extra $102 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,814 or more
- The price for full coverage for a teenage driver with full coverage can cost as much as $3,526 or more
Car insurance prices for a Scion xB are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.
An older driver with no driving violations and high deductibles may only pay around $800 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $3,500 a year. View Rates by Age
The state you live in has a huge impact on Scion xB insurance rates. A driver around age 40 might see prices as low as $610 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,150 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $768 | -$80 | -9.4% |
| Alaska | $650 | -$198 | -23.3% |
| Arizona | $704 | -$144 | -17.0% |
| Arkansas | $848 | -$0 | 0.0% |
| California | $966 | $118 | 13.9% |
| Colorado | $810 | -$38 | -4.5% |
| Connecticut | $872 | $24 | 2.8% |
| Delaware | $962 | $114 | 13.4% |
| Florida | $1,062 | $214 | 25.2% |
| Georgia | $782 | -$66 | -7.8% |
| Hawaii | $608 | -$240 | -28.3% |
| Idaho | $574 | -$274 | -32.3% |
| Illinois | $632 | -$216 | -25.5% |
| Indiana | $636 | -$212 | -25.0% |
| Iowa | $572 | -$276 | -32.5% |
| Kansas | $806 | -$42 | -5.0% |
| Kentucky | $1,158 | $310 | 36.6% |
| Louisiana | $1,256 | $408 | 48.1% |
| Maine | $524 | -$324 | -38.2% |
| Maryland | $698 | -$150 | -17.7% |
| Massachusetts | $680 | -$168 | -19.8% |
| Michigan | $1,474 | $626 | 73.8% |
| Minnesota | $710 | -$138 | -16.3% |
| Mississippi | $1,018 | $170 | 20.0% |
| Missouri | $752 | -$96 | -11.3% |
| Montana | $910 | $62 | 7.3% |
| Nebraska | $668 | -$180 | -21.2% |
| Nevada | $1,018 | $170 | 20.0% |
| New Hampshire | $610 | -$238 | -28.1% |
| New Jersey | $950 | $102 | 12.0% |
| New Mexico | $750 | -$98 | -11.6% |
| New York | $894 | $46 | 5.4% |
| North Carolina | $488 | -$360 | -42.5% |
| North Dakota | $694 | -$154 | -18.2% |
| Ohio | $584 | -$264 | -31.1% |
| Oklahoma | $870 | $22 | 2.6% |
| Oregon | $776 | -$72 | -8.5% |
| Pennsylvania | $810 | -$38 | -4.5% |
| Rhode Island | $1,132 | $284 | 33.5% |
| South Carolina | $768 | -$80 | -9.4% |
| South Dakota | $714 | -$134 | -15.8% |
| Tennessee | $742 | -$106 | -12.5% |
| Texas | $1,022 | $174 | 20.5% |
| Utah | $628 | -$220 | -25.9% |
| Vermont | $582 | -$266 | -31.4% |
| Virginia | $508 | -$340 | -40.1% |
| Washington | $654 | -$194 | -22.9% |
| West Virginia | $776 | -$72 | -8.5% |
| Wisconsin | $588 | -$260 | -30.7% |
| Wyoming | $756 | -$92 | -10.8% |
Choosing high deductibles could cut prices by as much as $160 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $402 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out $1,000 to $1,500 extra each year, depending on your age. High-risk driver insurance can be around 43% to 131% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes may be quite different from one company to the next.
| 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 Affordable Scion xB Insurance
Getting lower rates on auto insurance requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a brief review of the car insurance concepts covered above.
- Drivers with DUI or reckless driving convictions may pay on average $970 more annually to insure a Scion xB
- You may be able to save approximately $90 per year simply by shopping early and online
- Increasing physical damage deductibles can save around $150 each year
- Consumers who want increased liability limits will pay about $490 every year to increase from a low limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,526 |
| 20 | $1,932 |
| 30 | $854 |
| 40 | $848 |
| 50 | $780 |
| 60 | $764 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $950 |
| $250 | $904 |
| $500 | $848 |
| $1,000 | $790 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $848 |
| 50/100 | $937 |
| 100/300 | $1,049 |
| 250/500 | $1,339 |
| 100 CSL | $982 |
| 300 CSL | $1,227 |
| 500 CSL | $1,406 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,932 |
| 20 | $3,074 |
| 30 | $1,816 |
| 40 | $1,814 |
| 50 | $1,736 |
| 60 | $1,718 |
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 | $41 |
| Multi-vehicle | $46 |
| Homeowner | $16 |
| 5-yr Accident Free | $46 |
| 5-yr Claim Free | $52 |
| Paid in Full/EFT | $27 |
| Advance Quote | $35 |
| Online Quote | $55 |
| Total Discounts | $318 |
Discounts are estimated and may not be available from every company or in every state.
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