Scion xB Insurance Rates
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UPDATED: Jun 3, 2023
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U.S. average insurance prices for a Scion xB are $832 every 12 months with full coverage. Comprehensive costs on average $116 each year, collision costs $116, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $1,782. Teens pay the highest rates at $3,476 a year or more.
Average premium for full coverage: $832
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and xB models.
Price Range from Low to High
Using a 40-year-old driver as an example, Scion xB insurance prices go from the cheapest price of $496 for liability-only coverage to a high rate of $1,782 for coverage for higher-risk drivers.
Geographic Price Range
Your location can make a big difference on auto insurance rates. Rural areas have more infrequent collision claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects car insurance rates.
The ranges above demonstrate why all drivers should compare rates based on a specific location and their own driving history, instead of making a decision based on averaged prices.
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 details estimated Scion xB insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $522
- Drivers who choose higher $1,000 deductibles will pay around $52 annually
- The average price for the average middle-age driver with $500 deductibles is $832
- Selecting low deductibles for comprehensive and collision insurance increases the price to $930
- Drivers with serious driving violations could pay upwards of $1,782 or more
- The price to insure a 16-year-old driver may cost $3,476 a year
Insurance prices for a Scion xB are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your xB.
Choosing higher comprehensive and collision insurance deductibles could save up to $150 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $800 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $3,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,000 to $1,400 extra each year, depending on your age. Insurance for high-risk drivers can cost from 40% to 133% more than the average policy. View High Risk Driver Rates
The state you live in makes a big difference in Scion xB insurance prices. A 40-year-old driver could pay as low as $600 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,130 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every company calculates prices differently, so the prices may be quite 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 Shop for Affordable Scion xB Insurance
Getting lower rates on insurance for a Scion xB not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a brief review of the primary concepts that were raised in the charts and tables above.
- You may be able to save as much as $90 per year simply by quoting online in advance
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $950 more each year than a safer driver
- Increasing physical damage deductibles could save as much as $150 each year
- Drivers age 16 to 20 pay the highest prices, costing up to $290 a month if they have full coverage
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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