Scion xB Insurance Rates
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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:
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.
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.
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
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.
| 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% |
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $980 |
| $250 | $930 |
| $500 | $870 |
| $1,000 | $810 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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