Scion xB Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $980 |
| $250 | $930 |
| $500 | $870 |
| $1,000 | $810 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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