Scion xB Insurance Rates
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UPDATED: Jun 3, 2023
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Estimated insurance rates for a Scion xB are $832 a year for full coverage insurance. Comprehensive insurance costs an estimated $116 each year, collision costs $116, and liability coverage is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $1,782 or more. Teen drivers pay the most at $3,476 a year or more.
Average premium for full coverage: $832
Premium estimates broken down by type of coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and xB models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Scion xB go from the low end price of $496 for the bare minimum liability coverage to a high rate of $1,782 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The graphic below illustrates the effect of geographic area on insurance prices.
These rate differences illustrate why all drivers should compare rates quotes for a targeted area, 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.
Additional Rate Information
The chart below illustrates estimated Scion xB insurance rates for other coverage scenarios.
- The lowest rate with discounts is $522
- Raising to $1,000 deductibles will save approximately $52 each year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $832
- Choosing low deductibles will cost an additional $98 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $1,782 or more
- An auto insurance policy that insures a teenage driver can cost as much as $3,476
Insurance prices for a Scion xB also have a wide range based on the trim level and model year, your age and driving record, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are probably paying $1,000 to $1,400 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 40% to 133% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $3,400 a year. View Rates by Age
Where you choose to live also has a big influence on Scion xB insurance rates. A middle-age driver might find prices as low as $550 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,130 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles can reduce prices by up to $150 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Scion xB | $180 | $236 | $464 | $1,038 |
| 2014 Scion xB | $176 | $220 | $474 | $1,028 |
| 2013 Scion xB | $164 | $206 | $474 | $1,002 |
| 2012 Scion xB | $158 | $186 | $478 | $980 |
| 2009 Scion xB | $134 | $138 | $468 | $898 |
| 2008 Scion xB | $132 | $136 | $460 | $886 |
| 2006 Scion xB | $120 | $124 | $446 | $848 |
| 2005 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 Low Cost Scion xB Insurance
Finding better rates on auto insurance consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at least every other year by getting quotes from direct insurance companies, and also from local insurance agencies.
The following items are a review of the car insurance concepts covered in the above illustrations.
- Drivers who have several accidents or serious violations may have to pay on average $950 more annually than a driver with a clean driving record
- It is possible to save approximately $90 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $150 each year
- Consumers who want additional liability coverage will pay about $490 annually to raise from 30/60 bodily injury limits to the 250/500 level
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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