Scion xB Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 3, 2023

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Estimated auto insurance rates for a Scion xB are $832 annually with full coverage. Comprehensive costs around $116 a year, collision costs $116, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing around $1,782. Teen drivers pay the most at $3,476 a year or more.

Average premium for full coverage: $832

Premium estimates for type of coverage:

Comprehensive $116
Collision $116
Liability $442

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and xB trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Scion xB go from as cheap as $496 for the bare minimum liability coverage to a high of $1,782 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $832
High Risk $1,782

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $624
Small Cities $874
Large Cities $1,123

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based 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.

Additional Rate Information

The chart below details estimated Scion xB insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $522
  • Using higher $1,000 deductibles will save about $780 annually
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $832
  • Choosing low $100 deductibles for physical damage coverage will cost $930
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $1,782 or more
  • An auto insurance policy with full coverage for a 16-year-old driver can be $3,476 or more

View Chart as Image

Scion xB insurance cost comparison chart
Column chart showing full coverage Scion xB insurance rates range from $522 to $3,476

Auto insurance prices for a Scion xB also have a wide range based on the model of your xB, your driving record, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $3,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,000 to $1,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 40% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $150 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Scion xB insurance prices. A driver around age 40 might see prices as low as $600 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,130 on average in Florida, Michigan, and New York.

Scion xB Insurance Rates by State
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%

View Chart as Image

Scion xB insurance rates by U.S. city

With such a large range in prices, the best way to find out your exact price is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and quoted prices will be substantially different between companies.

Scion xB Insurance Rates by Model Year
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 Buy Cheap Scion xB Insurance

Finding better rates on insurance for a Scion xB requires being a good driver, having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to shop around at least once a year by requesting rates from direct companies, and also from local exclusive and independent agents.

The following list is a brief summary of the primary concepts that were raised in the charts and tables above.

  • You may be able to save up to $90 per year simply by quoting early and online
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $950 more every year than a safer driver
  • Increasing policy deductibles could save up to $150 each year
  • Drivers age 16 to 20 are expensive to insure, possibly costing $290 per month if full coverage is included

Rates by Driver Age

Scion xB Insurance 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

Scion xB Insurance Rates with Different Deductibles
Deductible Premium
$100 $930
$250 $886
$500 $832
$1,000 $780

Full coverage, driver age 40

Rates by Liability Limit

Scion xB Insurance Rates with Different Liability Limits
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

Scion xB Insurance 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.

SR-22 Surcharge $107

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
Rate after discounts $522

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

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