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2004 Scion xB Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 27, 2020

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Average insurance rates for a 2004 Scion xB are $886 a year with full coverage. Comprehensive insurance costs on average $132 each year, collision insurance costs $136, and liability insurance costs $460. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs $1,896 or more. Teen drivers receive the highest rates at up to $3,656 a year.

Annual premium for full coverage: $886

Rate estimates for 2004 Scion xB Insurance

Comprehensive $132
Collision $136
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2004 Scion xB models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $510 for just liability insurance to a high rate of $1,896 for high-risk insurance.

Liability Only $510
Full Coverage $886
High Risk $1,896

View Chart as Image

2004 Scion xB insurance rates compared
Column chart showing 2004 Scion xB insurance prices range from $551 to $3,656 for full coverage

These differences demonstrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2004 Scion xB Insurance

Searching Companies

Purchasing affordable insurance coverage over the internet can be somewhat difficult for consumers new to shopping for insurance online. With a ridiculous number of online companies, how can consumers have a chance to compare them all to find the cheapest rates?

The purpose of this article is to instruct you on how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. But car owners need to have an understanding of the way companies sell online because it can help you find the best coverage.

Compare Insurance Coverage Costs

There are multiple methods to compare 2004 Scion xB insurance coverage prices but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to achieve your goal.

Most of the best insurance companies participate in an industry program where prospective buyers submit their information once, and each company then returns a price quote based on that data. This prevents consumers from doing quote requests for each company.

To compare pricing click here (opens in new window).

The one disadvantage to getting quotes like this is buyers cannot specifically choose the providers to receive prices from. So if you prefer to choose specific providers to compare rates, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but compare identical coverages with every price quote. If each company quotes different limits and deductibles on each one it’s not possible to determine which rate is truly the best. Slightly different coverages may result in large price differences. Keep in mind that getting more free quotes will enable you to find better pricing.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be specially asked for before being credited.

  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Good Student Discount – This discount can save 20 to 25%. The good student discount can last up to age 25.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Club Memberships – Belonging to a qualifying organization could qualify you for a break when shopping for car insurance for xB coverage.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could cut 5% off your bill if your company offers it.

Drivers should understand that most credits do not apply to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will reduce the cost of coverage.

Insurance companies that possibly offer these benefits may include but are not limited to:

Before buying, ask every prospective company how you can save money. All car insurance discounts may not be available in your state.

When might I need an agent?

When it comes to choosing proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if you might need professional guidance.

  • Is rental equipment covered for theft or damage?
  • If my pet gets injured in an accident are they covered?
  • Is my teenager covered with friends in the car?
  • Does coverage extend to a rental car in a foreign country?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when delivering products for my home-based business?
  • What can I do if my company won’t pay a claim?
  • What is the difference between comprehensive and collision coverage?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Scion xB insurance rates are influenced by…

Smart consumers have a good feel for the factors that go into determining your car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.

Listed below are a few of the “ingredients” companies use to determine your rates.

  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Women and men cause accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Teen drivers pay high rates – Youthful drivers tend to be careless and easily distracted when driving so they pay higher car insurance rates. Parents adding a teen driver onto your car insurance can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel.
  • Careful drivers pay lower rates – Your driving citation history impacts your car insurance rates tremendously. Drivers with clean records receive lower rates compared to drivers with tickets. Even a single ticket may increase your cost by twenty percent. Drivers who have flagrant citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Liability coverage is peace of mind – Liability coverage is the protection if you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Do you have a high stress job? – Did you know your car insurance rates can be affected by your occupation? Occupations such as doctors, business owners and financial analysts tend to have higher average rates due to high stress levels and long work hours. Conversely, occupations like farmers, engineers and performers receive lower rates for xB coverage.
  • High numbers of claims are not good – If you frequently file small claims, you can definitely plan on higher rates. Companies give lower rates to insureds who file claims infrequently. Insurance coverage is intended for major claims that would cause financial hardship.

Ads can be misleading

Car insurance providers like 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all make the same claim about savings if you switch your coverage to them. How does each company make the same claim? It’s all in the numbers.

Insurance companies have a certain “appetite” for the right customer that makes them money. A good example of a preferred risk could possibly be over the age of 40, owns a home, and has a short commute. A propective insured who meets those qualifications will get very good rates and most likely will save a lot of money.

Drivers who don’t qualify for the “perfect” profile will be charged higher prices and this can result in business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save money. That’s the way companies can make those claims.

That is why it’s extremely important to get as many comparisons as possible. It’s not possible to predict which company will give you the biggest savings on Scion xB insurance.

Car insurance coverages explained

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, crashing into a building, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Medical costs insurance – Med pay and PIP coverage kick in for bills for nursing services, pain medications and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Scion xB.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Liability coverages – This coverage can cover damage that occurs to people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, emergency aid, court costs, legal defense fees and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, hitting a bird and a broken windshield. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Knowledge is power

You just read a lot of tips how to get a better price on 2004 Scion xB insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. Drivers may discover the lowest rates come from a small local company.

Insureds leave their current company for a variety of reasons including lack of trust in their agent, high prices, being labeled a high risk driver and even policy cancellation. No matter why you want to switch, finding a new company is actually quite simple.

Budget-conscious insurance is possible both online and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

More tips and info about insurance is available in these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2004 Scion xB Insurance Rates by City
City Premium
New York City, NY $1,401
Los Angeles, CA $1,515
Philadelphia, PA $1,184
Jacksonville, FL $1,288
Phoenix, AZ $1,030
Chicago, IL $1,188
Houston, TX $1,391
Seattle, WA $864
Columbus, OH $743
Indianapolis, IN $753

Rates by Driver Age

2004 Scion xB Insurance Rates by Driver Age
Driver Age Premium
16 $3,656
20 $2,018
30 $894
40 $886
50 $816
60 $798

Full coverage, $500 deductibles

Rates by Deductible

2004 Scion xB Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,000
$250 $950
$500 $886
$1,000 $824

Full coverage, driver age 40

Rates by Liability Limit

Scion xB Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $886
50/100 $978
100/300 $1,093
250/500 $1,392
100 CSL $1,024
300 CSL $1,277
500 CSL $1,461

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Scion xB Insurance Rates for High Risk Drivers
Age Premium
16 $5,120
20 $3,208
30 $1,906
40 $1,896
50 $1,816
60 $1,798

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 $115

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $44
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $49
5-yr Claim Free $54
Paid in Full/EFT $29
Advance Quote $37
Online Quote $58
Total Discounts $335
Rate after discounts $551

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

Find companies with the cheapest rates in your area

2004 Scion xB Insurance Rates by State
State Premium
Alabama $802
Alaska $680
Arizona $736
Arkansas $886
California $1,010
Colorado $848
Connecticut $912
Delaware $1,004
Florida $1,110
Georgia $818
Hawaii $638
Idaho $600
Illinois $660
Indiana $666
Iowa $598
Kansas $842
Kentucky $1,210
Louisiana $1,310
Maine $548
Maryland $732
Massachusetts $710
Michigan $1,540
Minnesota $744
Mississippi $1,060
Missouri $786
Montana $952
Nebraska $698
Nevada $1,064
New Hampshire $640
New Jersey $992
New Mexico $786
New York $934
North Carolina $510
North Dakota $726
Ohio $614
Oklahoma $912
Oregon $812
Pennsylvania $846
Rhode Island $1,182
South Carolina $802
South Dakota $748
Tennessee $776
Texas $1,070
Utah $656
Vermont $606
Virginia $532
Washington $686
West Virginia $812
Wisconsin $614
Wyoming $790

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