Scion xB Insurance Rates
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UPDATED: Jun 3, 2023
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Estimated insurance rates for a Scion xB are $870 a year for full coverage insurance. Comprehensive costs approximately $130, collision insurance costs $130, and liability insurance is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs around $1,858. Teen drivers pay the most at up to $3,586 a year.
Average premium for full coverage: $870
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all xB models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Scion xB range from the low end price of $504 for a discount liability-only rate to the much higher price of $1,858 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how location helps determine auto insurance prices.
These rate differences illustrate why everyone should compare rates quotes using their specific location, rather than relying on 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.
Rates by State, City, and Model
The chart below illustrates average Scion xB insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $542
- Raising to $1,000 deductibles will save $60 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $870
- Choosing pricier low deductibles bumps up the cost to $980
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,858
- An auto insurance policy that insures a teen driver for full coverage can cost $3,586
Insurance prices for a Scion xB also have a wide range based on the model of your xB, your age and driving record, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are probably paying anywhere from $1,000 to $1,500 additional annually, depending on your age. Scion xB insurance for high-risk drivers is expensive and can cost anywhere from 42% to 128% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $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 in the ballpark of $3,500 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 $570 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,180 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles can reduce prices by up to $170 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
| 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 Find More Affordable Scion xB Insurance
Finding better rates on Scion xB insurance consists of being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Shop around at every other renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
Below you'll find a summary of the concepts that were covered in the charts and tables above.
- High-risk drivers who have multiple accidents or major violations could be charged and average of $990 more per year than a low-risk driver
- Youthful drivers are the costliest to insure, with premiums being up to $299 per month if comprehensive and collision insurance is included
- It is possible to save around $90 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $175 each year
- It is possible to save around $90 per year just by quoting online well ahead of the renewal date
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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