Scion xB Insurance Rates

The average insurance rates for a Scion xB are $832 a year for full coverage insurance. Comprehensive insurance costs an estimated $116 each year, collision insurance costs $116, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs $1,782 or more. Teenage drivers cost the most to insure at up to $3,476 a year.

Average premium for full coverage: $832

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and xB models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates average Scion xB insurance rates for other coverage scenarios.

• The best discount rate is $522
• Raising to $1,000 deductibles will save approximately $52 each year
• The average rate for a good driver age 40 who has $500 deductibles is $832
• Using low deductibles will cost an extra $98 every year
• At-risk drivers who are prone to accidents and violations could pay up to $1,782
• Policy cost for full coverage for a teen driver can cost as much as $3,476

View Chart as Image

Insurance rates for a Scion xB also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $3,400 a year. View Rates by Age

Your home state also has a big influence on Scion xB insurance prices. A middle-age driver might find rates as low as $550 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,130 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $150 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,000 to $1,400 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 40% to 133% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Scion xB Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit history, being claim-free, and possibly raising deductibles. Invest time comparing rates at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a summary of the concepts that were covered in the charts and tables above.

• Higher risk drivers who have multiple accidents or major violations pay on average $950 more annually for car insurance
• Teenagers are expensive to insure, possibly costing $290 each month including comprehensive and collision insurance
• It is possible to save approximately $90 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $150 each year
• It is possible to save approximately $90 per year just by quoting online in advance