Scion xB Insurance Rates
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UPDATED: Jun 3, 2023
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Average auto insurance rates for a Scion xB are $832 annually with full coverage. Comprehensive insurance costs an estimated $116 each year, collision costs $116, and liability costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $1,782 or more. Teens receive the highest rates at $3,476 a year or more.
Average premium for full coverage: $832
Rate estimates broken down by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and xB models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $496 for the bare minimum liability coverage to a high rate of $1,782 for high-risk insurance.
Price Range by Location
Your location can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion.
The graphic below illustrates how where you live affects insurance prices.
These examples demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of using 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 Information
The chart below details estimated Scion xB insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $522
- Drivers who choose higher $1,000 deductibles will pay approximately $52 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $832
- Selecting low deductibles for comprehensive and collision insurance costs an additional $98 every year
- Higher-risk drivers with serious driving violations could pay up to $1,782 or more
- The cost with full coverage for a teen driver can cost as much as $3,476 a year
Insurance rates for a Scion xB can also vary considerably based on the trim level of your xB, your driving record, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $800 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $3,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,000 to $1,400 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 40% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $150 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Scion xB insurance prices. A 40-year-old driver could pay as low as $600 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,130 on average in New York, Michigan, and Florida.
| 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% |
With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison and see which company has the best rate. Every company calculates rates differently, so the rates can be significantly different between companies.
| 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 Buy the Best Scion xB Insurance
Saving money on car insurance not only requires being a low-risk driver, but also having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a brief recap of the material that was touched on in the above illustrations.
- Policyholders who want more liability coverage will pay approximately $490 every year to go from a minimum limit to higher 250/500 limits
- Teen drivers are charged the highest rates, with premiums as much as $290 per month including comprehensive and collision insurance
- Higher risk drivers who tend to receive serious violations pay on average $950 more annually to insure their xB
- Increasing deductibles could save up to $150 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $930 |
| $250 | $886 |
| $500 | $832 |
| $1,000 | $780 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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