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...

Insurance Lawyer

UPDATED: Jun 3, 2023

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Average insurance rates for a Scion xB are $870 a year including full coverage. Comprehensive costs on average $130 each year, collision costs $130, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing around $1,858. Teens receive the highest rates at $3,586 a year or more.

Average premium for full coverage: $870

Rate estimates by individual coverage type:

Comprehensive $130
Collision $130
Liability $452

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and xB models.

Price Range by Coverage and Risk

For an average driver, prices range go from the low end price of $504 for just the minimum liability insurance to a high rate of $1,858 for a high-risk insurance policy.

Liability Only $504
Full Coverage $870
High Risk $1,858

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $653
Small Cities $914
Large Cities $1,175

These examples highlight why all drivers should compare prices based on a specific location, rather than relying 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 Rate Analysis

The chart below breaks down estimated Scion xB insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $542
  • Using higher $1,000 deductibles will save around $60 every year
  • The estimated price for a 40-year-old driver with $500 deductibles is $870
  • Selecting low deductibles for physical damage coverage bumps up the cost to $980
  • Drivers with serious driving violations could pay upwards of $1,858 or more
  • The cost that insures a teen driver may cost $3,586 or more

View Chart as Image

Scion xB insurance cost comparison chart
Column chart showing full coverage Scion xB insurance rates range from $542 to $3,586

Car insurance rates for a Scion xB can also vary considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,000 to $1,500 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $800 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $3,500 a year. View Rates by Age

Where you live has a huge impact on Scion xB insurance rates. A driver around age 40 might see rates as low as $670 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,240 on average in Michigan, New York, and Louisiana.

Scion xB Insurance Rates by State
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%

View Chart as Image

Scion xB insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $170 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, so rate quotes can be significantly different.

Scion xB Insurance Rates by Model Year
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 Cheap Scion xB Insurance

Saving money on Scion xB insurance requires having a good driving record, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare rates at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a brief summary of the car insurance concepts covered in the above illustrations.

  • High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $990 more each year to buy Scion xB insurance
  • You may be able to save as much as $90 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $175 each year
  • Drivers who require increased levels of liability coverage will pay approximately $500 per year to increase from a minimum limit to the 250/500 level

Rates by Driver Age

Scion xB Insurance 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

Scion xB Insurance Rates with Different Deductibles
Deductible Premium
$100 $980
$250 $930
$500 $870
$1,000 $810

Full coverage, driver age 40

Rates by Liability Limit

Scion xB Insurance Rates with Different Liability Limits
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

Scion xB Insurance 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.

SR-22 Surcharge $113

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
Rate after discounts $542

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

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