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 $832 every 12 months with full coverage. Comprehensive costs around $116 each year, collision costs $116, and liability insurance costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing around $1,782. Teens pay the highest rates at $3,476 a year or more.

Average premium for full coverage: $832

Price estimates for individual coverage:

Comprehensive $116
Collision $116
Liability $442

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and xB models.

Price Range from Low to High

For a driver in their 40's, Scion xB insurance prices go from the cheapest price of $496 for your basic liability-only policy to a high rate of $1,782 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $832
High Risk $1,782

Geographic Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance rates.

Rural Areas $624
Small Cities $874
Large Cities $1,123

The ranges above demonstrate why all drivers should compare prices for a specific zip code and their own driving history, 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.

More Rate Information

The chart below details estimated Scion xB insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $522
  • Using higher $1,000 deductibles will save about $52 annually
  • The average price for the average middle-age driver using $500 deductibles is $832
  • Selecting low deductibles for physical damage coverage increases the price to $930
  • Drivers with serious driving violations could pay at least $1,782 or more
  • The price to insure a teen driver can be $3,476 or more

View Chart as Image

Scion xB insurance cost comparison chart
Column chart showing full coverage Scion xB insurance rates range from $522 to $3,476

Insurance prices for a Scion xB are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $150 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $800 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $3,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,000 to $1,400 additional each year, depending on your age. Insurance for high-risk drivers can be anywhere from 40% to 133% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Scion xB insurance rates. A driver around age 40 might see prices as low as $600 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,130 on average in Florida, Michigan, and New York.

Scion xB Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $754 -$78 -9.4%
Alaska $640 -$192 -23.1%
Arizona $692 -$140 -16.8%
Arkansas $832 -$0 0.0%
California $950 $118 14.2%
Colorado $796 -$36 -4.3%
Connecticut $856 $24 2.9%
Delaware $942 $110 13.2%
Florida $1,042 $210 25.2%
Georgia $768 -$64 -7.7%
Hawaii $598 -$234 -28.1%
Idaho $564 -$268 -32.2%
Illinois $622 -$210 -25.2%
Indiana $626 -$206 -24.8%
Iowa $560 -$272 -32.7%
Kansas $792 -$40 -4.8%
Kentucky $1,138 $306 36.8%
Louisiana $1,232 $400 48.1%
Maine $514 -$318 -38.2%
Maryland $688 -$144 -17.3%
Massachusetts $668 -$164 -19.7%
Michigan $1,446 $614 73.8%
Minnesota $696 -$136 -16.3%
Mississippi $998 $166 20.0%
Missouri $738 -$94 -11.3%
Montana $896 $64 7.7%
Nebraska $656 -$176 -21.2%
Nevada $998 $166 20.0%
New Hampshire $600 -$232 -27.9%
New Jersey $930 $98 11.8%
New Mexico $738 -$94 -11.3%
New York $878 $46 5.5%
North Carolina $480 -$352 -42.3%
North Dakota $682 -$150 -18.0%
Ohio $576 -$256 -30.8%
Oklahoma $856 $24 2.9%
Oregon $762 -$70 -8.4%
Pennsylvania $796 -$36 -4.3%
Rhode Island $1,112 $280 33.7%
South Carolina $754 -$78 -9.4%
South Dakota $704 -$128 -15.4%
Tennessee $730 -$102 -12.3%
Texas $1,002 $170 20.4%
Utah $618 -$214 -25.7%
Vermont $570 -$262 -31.5%
Virginia $500 -$332 -39.9%
Washington $644 -$188 -22.6%
West Virginia $764 -$68 -8.2%
Wisconsin $576 -$256 -30.8%
Wyoming $742 -$90 -10.8%

View Chart as Image

Scion xB insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, and prices may be quite different.

Scion xB Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Scion xB $180 $236 $464 $1,038
2014 Scion xB $176 $220 $474 $1,028
2013 Scion xB $164 $206 $474 $1,002
2012 Scion xB $158 $186 $478 $980
2009 Scion xB $134 $138 $468 $898
2008 Scion xB $132 $136 $460 $886
2006 Scion xB $120 $124 $446 $848
2005 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 Low Cost Scion xB Insurance

Getting lower rates on Scion xB insurance requires avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at least once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a review of the primary concepts that were covered in the charts and tables above.

  • You may be able to save up to $90 per year simply by quoting online in advance
  • High-risk drivers who have several accidents or serious violations pay on average $950 more every year to insure a Scion xB
  • Increasing physical damage deductibles could save as much as $150 each year
  • Drivers under the age of 20 are charged the highest prices, costing up to $290 a month if full coverage is included

Rates by Driver Age

Scion xB Insurance Rates by Driver Age
Driver Age Premium
16 $3,476
20 $1,900
30 $836
40 $832
50 $766
60 $750

Full coverage, $500 deductibles

Rates by Deductible

Scion xB Insurance Rates with Different Deductibles
Deductible Premium
$100 $930
$250 $886
$500 $832
$1,000 $780

Full coverage, driver age 40

Rates by Liability Limit

Scion xB Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $832
50/100 $920
100/300 $1,031
250/500 $1,318
100 CSL $965
300 CSL $1,208
500 CSL $1,385

Full coverage, driver age 40

Rates for High Risk Drivers

Scion xB Insurance Rates for High Risk Drivers
Age Premium
16 $4,856
20 $3,020
30 $1,782
40 $1,782
50 $1,704
60 $1,686

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 $107

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $40
Multi-vehicle $45
Homeowner $16
5-yr Accident Free $45
5-yr Claim Free $50
Paid in Full/EFT $26
Advance Quote $34
Online Quote $54
Total Discounts $310
Rate after discounts $522

Discounts are estimated and may not be available from every company or in every state.

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