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 $848 every 12 months including full coverage. Comprehensive insurance costs on average $120 a year, collision insurance costs $124, and liability coverage is estimated at $446. Liability-only insurance costs approximately $500 a year, and high-risk driver insurance costs $1,814 or more. Teens pay the highest rates at up to $3,526 a year.
Average premium for full coverage: $848
Price estimates by individual coverage:
These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and xB trim levels.
Price Range from Low to High
For a driver around age 40, Scion xB insurance prices range from the cheapest price of $500 for minimum levels of liability insurance to a high of $1,814 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above highlight why it is important to get quotes based on a specific location and their own driving history, rather than using 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 Details
The chart below breaks down average Scion xB insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $530
- Choosing higher $1,000 deductibles can save around $790 every year
- The average price for the average middle-age driver with $500 deductibles is $848
- Selecting low $100 deductibles for comp and collision coverage costs an extra $102 each year
- Drivers with serious driving violations could pay upwards of $1,814
- The price to insure a teenage driver may cost $3,526 each year
Car insurance prices for a Scion xB are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your xB.
Choosing higher comprehensive and collision insurance deductibles can save as much as $160 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $402 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $800 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $3,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,000 to $1,500 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Scion xB insurance rates. A good driver about age 40 could pay as low as $650 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,210 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $768 | -$80 | -9.4% |
| Alaska | $650 | -$198 | -23.3% |
| Arizona | $704 | -$144 | -17.0% |
| Arkansas | $848 | -$0 | 0.0% |
| California | $966 | $118 | 13.9% |
| Colorado | $810 | -$38 | -4.5% |
| Connecticut | $872 | $24 | 2.8% |
| Delaware | $962 | $114 | 13.4% |
| Florida | $1,062 | $214 | 25.2% |
| Georgia | $782 | -$66 | -7.8% |
| Hawaii | $608 | -$240 | -28.3% |
| Idaho | $574 | -$274 | -32.3% |
| Illinois | $632 | -$216 | -25.5% |
| Indiana | $636 | -$212 | -25.0% |
| Iowa | $572 | -$276 | -32.5% |
| Kansas | $806 | -$42 | -5.0% |
| Kentucky | $1,158 | $310 | 36.6% |
| Louisiana | $1,256 | $408 | 48.1% |
| Maine | $524 | -$324 | -38.2% |
| Maryland | $698 | -$150 | -17.7% |
| Massachusetts | $680 | -$168 | -19.8% |
| Michigan | $1,474 | $626 | 73.8% |
| Minnesota | $710 | -$138 | -16.3% |
| Mississippi | $1,018 | $170 | 20.0% |
| Missouri | $752 | -$96 | -11.3% |
| Montana | $910 | $62 | 7.3% |
| Nebraska | $668 | -$180 | -21.2% |
| Nevada | $1,018 | $170 | 20.0% |
| New Hampshire | $610 | -$238 | -28.1% |
| New Jersey | $950 | $102 | 12.0% |
| New Mexico | $750 | -$98 | -11.6% |
| New York | $894 | $46 | 5.4% |
| North Carolina | $488 | -$360 | -42.5% |
| North Dakota | $694 | -$154 | -18.2% |
| Ohio | $584 | -$264 | -31.1% |
| Oklahoma | $870 | $22 | 2.6% |
| Oregon | $776 | -$72 | -8.5% |
| Pennsylvania | $810 | -$38 | -4.5% |
| Rhode Island | $1,132 | $284 | 33.5% |
| South Carolina | $768 | -$80 | -9.4% |
| South Dakota | $714 | -$134 | -15.8% |
| Tennessee | $742 | -$106 | -12.5% |
| Texas | $1,022 | $174 | 20.5% |
| Utah | $628 | -$220 | -25.9% |
| Vermont | $582 | -$266 | -31.4% |
| Virginia | $508 | -$340 | -40.1% |
| Washington | $654 | -$194 | -22.9% |
| West Virginia | $776 | -$72 | -8.5% |
| Wisconsin | $588 | -$260 | -30.7% |
| Wyoming | $756 | -$92 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Scion xB | $188 | $252 | $460 | $1,058 |
| 2014 Scion xB | $180 | $236 | $464 | $1,038 |
| 2013 Scion xB | $176 | $220 | $474 | $1,028 |
| 2012 Scion xB | $164 | $206 | $474 | $1,002 |
| 2009 Scion xB | $140 | $154 | $474 | $926 |
| 2008 Scion xB | $134 | $138 | $468 | $898 |
| 2006 Scion xB | $130 | $130 | $452 | $870 |
| 2005 Scion xB | $120 | $124 | $446 | $848 |
| 2004 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 Cheap Scion xB Insurance
Getting lower rates on auto insurance takes having a good driving record, maintaining a good credit score, being claim-free, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief summary of the information covered above.
- You may be able to save as much as $90 per year just by quoting early and online
- Drivers age 20 and younger are expensive to insure, possibly costing $294 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $150 each year
- Drivers that tend to have accidents or serious violations may pay on average $970 more each year to buy Scion xB insurance
- Consumers who require increased levels of liability coverage will pay approximately $490 per year to raise limits from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,526 |
| 20 | $1,932 |
| 30 | $854 |
| 40 | $848 |
| 50 | $780 |
| 60 | $764 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $950 |
| $250 | $904 |
| $500 | $848 |
| $1,000 | $790 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $848 |
| 50/100 | $937 |
| 100/300 | $1,049 |
| 250/500 | $1,339 |
| 100 CSL | $982 |
| 300 CSL | $1,227 |
| 500 CSL | $1,406 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,932 |
| 20 | $3,074 |
| 30 | $1,816 |
| 40 | $1,814 |
| 50 | $1,736 |
| 60 | $1,718 |
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 | $41 |
| Multi-vehicle | $46 |
| Homeowner | $16 |
| 5-yr Accident Free | $46 |
| 5-yr Claim Free | $52 |
| Paid in Full/EFT | $27 |
| Advance Quote | $35 |
| Online Quote | $55 |
| Total Discounts | $318 |
Discounts are estimated and may not be available from every company or in every state.
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