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 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:

Comprehensive $130
Collision $130
Liability $452

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.

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

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.

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

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

View Chart as Image

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

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.

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 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

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 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

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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