Scion xB Insurance Rates

Average insurance rates for a Scion xB are $832 a year for full coverage. Comprehensive insurance costs an estimated $116 each year, collision insurance costs $116, and liability coverage costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs $1,782 or more. 16-year-old drivers receive the highest rates at up to $3,476 a year.

Average premium for full coverage: $832

Rate estimates broken down by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and xB models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples show why all drivers should compare prices for a targeted area and risk profile, rather than using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $522
• Using higher $1,000 deductibles will save approximately $52 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $832
• Buying low deductibles for physical damage coverage will cost an extra $98 each year
• Higher-risk drivers with multiple tickets or accidents could pay up to $1,782
• The cost for full coverage for a teenage driver can cost as much as $3,476 or more

View Chart as Image

Insurance rates for a Scion xB can also vary considerably based on your driver profile, the trim level of your xB, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $800 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $3,400 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 $550 a year in states like Iowa, Maine, and Idaho, or at least $1,190 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $150 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,000 to $1,400 additional per year, depending on your age. Insurance for high-risk drivers can be around 40% to 133% more than the average rate. View High Risk Driver Rates

How to Find Affordable Scion xB Insurance

Saving money on auto insurance requires having a decent driving record, having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates at every policy renewal by getting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The following items are a brief review of the data covered above.

• Consumers who want additional liability coverage will pay around $490 each year to increase from a minimum limit to 250/500 limits
• Drivers can save approximately $90 per year just by quoting online in advance
• Increasing deductibles can save around $150 each year
• 16 to 18-year-old drivers are expensive to insure, costing as high as $290 per month including comprehensive and collision insurance