Scion xB Insurance Rates
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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:
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.
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.
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
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.
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% |
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $950 |
$250 | $904 |
$500 | $848 |
$1,000 | $790 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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