Scion xB Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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The average insurance prices for a Scion xB are $848 every 12 months for full coverage insurance. Comprehensive costs an estimated $120 each year, collision costs $124, and liability insurance costs $446. Liability-only insurance costs as little as $500 a year, with high-risk driver insurance costing around $1,814. Teenage drivers cost the most to insure at $3,526 a year or more.

Average premium for full coverage: $848

Policy rates broken down by type of insurance:

Comprehensive $120
Collision $124
Liability $446

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and xB models.

Price Range Variability

For the normal driver, Scion xB insurance rates go from the cheapest price of $500 for just the minimum liability insurance to a high rate of $1,814 for a policy for a high-risk driver.

Liability Only $500
Full Coverage $848
High Risk $1,814

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

Rural Areas $636
Small Cities $890
Large Cities $1,145

The examples above illustrate why all drivers should compare rates for a targeted area and their own driving history, rather than relying on average rates.

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 illustrates estimated Scion xB insurance rates for other coverage scenarios.

  • The best discount rate is $530
  • Drivers who choose higher $1,000 deductibles will pay approximately $58 each year
  • The average price for a good driver age 40 who has $500 deductibles is $848
  • Using low deductibles for comprehensive and collision insurance increases the price to $950
  • High risk drivers who are prone to accidents and violations could pay up to $1,814 or more
  • Policy cost to insure a teen driver can cost as much as $3,526 a year

View Chart as Image

Scion xB insurance cost comparison chart
Column chart showing full coverage Scion xB insurance rates range from $530 to $3,526

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

Using high physical damage deductibles could save up to $160 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $402 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $3,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,000 to $1,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Scion xB insurance rates. A 40-year-old driver could pay as low as $560 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,150 on average in Florida, New York, and Michigan.

Scion xB Insurance Rates by State
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%

View Chart as Image

Scion xB insurance rates by U.S. city

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates will be varied.

Scion xB Insurance Rates by Model Year
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 the Best Scion xB Insurance

Finding cheaper rates on Scion xB insurance not only requires avoiding accidents and claims, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to compare rates every year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The points below are a brief recap of the coverage data presented in the illustrations above.

  • It is possible to save approximately $90 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $150 each year
  • Drivers under the age of 20 are the costliest to insure, possibly costing $294 each month if comprehensive and collision insurance is included
  • High-risk drivers who tend to receive serious violations could be forced to pay on average $970 more annually to insure a Scion xB

Rates by Driver Age

Scion xB Insurance 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

Scion xB Insurance Rates with Different Deductibles
Deductible Premium
$100 $950
$250 $904
$500 $848
$1,000 $790

Full coverage, driver age 40

Rates by Liability Limit

Scion xB Insurance Rates with Different Liability Limits
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

Scion xB Insurance 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.

SR-22 Surcharge $110

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
Rate after discounts $530

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

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