Toyota Scion XB Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Scion XB is cheaper to insure compared to the average SUV.

• Liability only auto insurance rates for a Scion XB run around $66 monthly, while full coverage generally averages about $136.

• Pronto is the lowest insurance carrier for a Scion XB.

---

---

Scion XB Overview

The Toyota Scion XB is a great budget-friendly SUV for drivers of all types, with base prices starting at just $17,120 for 2015 models.

We sifted through thousands of car insurance quotes on Compare.com, and we've found that Toyota Scion XB insurance prices run around $123 a month, on average. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Toyota Scion XB?

If you look at the table above, you'll find that when you compare the Toyota Scion XB to other vehicles, insurance premiums are lower than average. Scion XB owners normally pay about $136 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $66 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Compared to other models, the Scion XB is more affordable, with prices around 16% lower than the other vehicle types offered by Toyota. Compared to SUV offerings from other brands, auto insurance for a Scion XB is also more affordable, with full coverage insurance rates coming in about $16 less and $15 less for liability only insurance.

Impressively, they're overall more affordable to insure than the average vehicle, no matter what make, model, or body style they are.

---

---

Who has the Cheapest Car Insurance for a Toyota Scion XB?

In the market for a car insurance policy for your Toyota Scion XB? You probably want to know which company offers the lowest prices. Even though there will never be one carrier that offers the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $30 a month from WesternStar. The runner up for cheapest rates is Ohio Mutual, with car insurance policies starting as low as just $33 a month.

Shelter Mutual, Encompass, and MetroMile round out the end of the top 5 list. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Auto insurance companies take a variety of different variables into consideration when calculating monthly prices. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from a variety of insurance carriers.

---

---

What Factors Affect Car Insurance Rates for a Toyota Scion XB?

There are lots of factors that car insurance companies examine to determine how much they charge for a policy -- and every company uses a different formula, so there's not a singular carrier that's the lowest for everyone.

The following sections show a whole bunch of things auto insurance carriers use to decide rates:

Vehicle Age

The Toyota Scion XB has been around for a while, so vehicle age will likely play a role in what you end up paying for car insurance. Typically, it costs more to insure newer cars because they're worth more, however, as time goes on and Scion XBs continue to depreciate, insurance costs will gradually decrease.

A new Toyota Scion XB model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Toyota Scion XBs to insure are those that are 15 years old or more, while the cheapest models are Scion XBs that are 2 to 3 years old, on average.

Your Age

Age is another variable that plays a significant role in how much insurance companies will charge. In the table above, you'll see that those who have more experience pay less than teenage drivers. Toyota Scion XB drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group being 55-64 for Scion XB drivers.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, women typically pay less for auto insurance than men. When it comes to Scion XB drivers specifically, women pay around $66 per month for car insurance and men pay about $67.

Where You Live

You're probably already aware that factors such as what vehicle you drive and how old you are play a role in your auto insurance premiums, but you may not realize that where you live is equally important. Car insurance is regulated on a state-by-state basis, so rates can shift quite a bit depending on where you live.

For example, the average Toyota Scion XB owner from New York pays around $144 a month for liability coverage, while on average, the same Californian driver will pay less than 50% of that price. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change from state to state.

---

---

Toyota Scion XB Car Insurance Discounts

Whatever your age, your car, or your home state, it's always the smart move to take advantage of as many insurance discounts as possible when shopping around for a policy.

Even though all car insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Multi-policy discounts for bundling your home and auto policies with the same company
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than in monthly installments
• Multi-car discounts for adding more than one vehicle to your auto policy

While discounts are always a good way to save money on your insurance, sometimes, it's actually your insurance profile and driving history that get you the cheapest rates.

You obviously can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), but you do have a say over some of it. Below are just a few of the variables you can use to your advantage in order to save on insurance:

Your Driving Record

You've almost certainly seen ads from car insurance companies posting hefty discounts for responsible drivers. And you probably wouldn't be surprised that if you get tickets or get into an accident, auto insurance prices will get higher. But exactly how much will these infractions cost you?

You can tell from the table above that accidents will usually cost Scion XB drivers more than tickets, but both will result in above average rates. Toyota Scion XB drivers with one accident on their record pay an average of $84 per month (up $18 from the $66/mo. overall average), while drivers with a single ticket will pay about $72 monthly. The rates only go up the more tickets you get or accidents you have.

How Much You Drive

Another factor you have control over is the total amount of miles you drive annually. Those who drive less are more likely to go accident-free, so they'll usually be offered cheaper rates. In the table above, you can see that Toyota Scion XB owners who drive fewer than 2,500 miles a year pay an average of $60 a month for car insurance, while those who put 10,000 miles or more on their cars pay $67.

If you don't drive much because have a second vehicle or you work from home, you might consider a usage-based or pay-per-mile auto insurance policy. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

---

---

How Do Toyota Scion XBs Compare to Other Vehicles?

If you're considering making a Toyota Scion XB your next vehicle, you might want to know how it compares to other cars. Insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth thinking about carefully.

Take a look at the table below to see how the Toyota Scion XB stacks up:

With an MSRP that's less than half of the going rate for a new vehicle, the Toyota Scion XB is a great value when it comes to price. While the national average vehicle price is $40,100, the Scion XB has a base price of just $17,120. And since there hasn't been a new Scion XB model on the market recently, used prices will be even lower.

In the same fashion, insurance premiums run below average when compared to the rest of the vehicle market. Full coverage insurance for a Toyota Scion XB is about $32 a month cheaper than average, while liability only coverage is $13 cheaper monthly.

When it comes to usage, Toyota Scion XB drivers are pretty close to the national average in annual miles driven, with 11,833 miles each year compared to 11,660 for all vehicles.

Toyota Scion XB Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on how much the average driver pays for auto insurance. If you're considering purchasing a new Scion XB, having a good idea of exactly how much you'll pay can be extremely valuable as you weigh your options.

That's why we've broken down Toyota Scion XB insurance prices by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options. We've included some additional information you might find helpful, too, such as which trim levels are offered, who offers the cheapest policies, and the base MSRP for each Scion XB model year.

Choose Your Model

2015 Toyota Scion XB Car Insurance 2014 Toyota Scion XB Car Insurance 2013 Toyota Scion XB Car Insurance 2012 Toyota Scion XB Car Insurance 2011 Toyota Scion XB Car Insurance 2010 Toyota Scion XB Car Insurance 2009 Toyota Scion XB Car Insurance 2008 Toyota Scion XB Car Insurance 2006 Toyota Scion XB Car Insurance 2005 Toyota Scion XB Car Insurance 2004 Toyota Scion XB Car Insurance

2015 Toyota Scion XB Car Insurance

You can expect full coverage for a 2015 Scion XB to run around $137 per month, while liability only coverage will average about $68 monthly.

With premiums as cheap as $18 a month, Mapfre offered the lowest policy we found for the 2015 Toyota Scion XB.

While these are good estimates of what the average driver might pay to insure a 2015 Toyota Scion XB, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

---

---

2014 Toyota Scion XB Car Insurance

2014 Toyota Scion XB drivers can expect to pay an average of $97 per month for liability or $153 for full coverage.

Mile Auto has premiums as cheap as just $23 a month for the 2014 Toyota Scion XB.

If you're looking for a more exact figure on what you should pay for car insurance for a 2014 Toyota Scion XB, you can get free quotes in minutes by just entering your ZIP code below.

---

---

2013 Toyota Scion XB Car Insurance

It costs around $54 monthly for liability or $136 for a full coverage policy for the 2013 Scion XB.

With prices as low as $21 per month, Shelter Mutual offered the most affordable policy we found.

Want to find the best rates? Enter your ZIP code below to get several personalized quotes for free.

---

---

2012 Toyota Scion XB Car Insurance

On average, drivers who own a 2012 Toyota Scion XB can expect to pay $63 to $134 monthly for liability only and full coverage insurance, respectively.

Elephant offered the cheapest policy we found, with rates sometimes as cheap as $19 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

---

---

2011 Toyota Scion XB Car Insurance

The average cost to insure a 2011 Scion XB with liability only coverage is $69 per month, while full coverage runs about $134 monthly.

If you're looking for the lowest possible 2011 Toyota Scion XB insurance policy, MetLife offered the most affordable policy we found, with rates as little as just $19 per month.

While these are good estimates of what the average driver might pay to insure a 2011 Toyota Scion XB, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

---

---

2010 Toyota Scion XB Car Insurance

It costs around $72 a month for liability or $130 for a full coverage policy for the 2010 Toyota Scion XB.

Looking for the lowest policy? Kemper offered liability only coverage for sometimes as low as $22 per month.

What will your auto insurance rate be? Just enter your ZIP code below to get multiple free personalized quotes.

---

---

2009 Toyota Scion XB Car Insurance

The average cost to insure a 2009 Scion XB with liability only coverage is $63 monthly, while full coverage runs about $139 a month.

We found Gainsco offered the cheapest policy, with rates sometimes as little as $20 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

---

---

2008 Toyota Scion XB Car Insurance

You can expect full coverage for a 2008 Toyota Scion XB to run around $136 a month, while liability only coverage will average about $69 monthly.

If you're looking for the most affordable 2008 Toyota Scion XB insurance policy, Liberty Mutual offered the most affordable policy we found, with rates as little as $17 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

---

---

2006 Toyota Scion XB Car Insurance

2006 Scion XB drivers can expect to pay an average of $64 monthly for liability or $124 for full coverage.

We found Gainsco offered the cheapest policy, with rates as low as just $19 a month.

Want to find the lowest rates? Get lots of free personalized quotes by just entering your ZIP code below.

---

---

2005 Toyota Scion XB Car Insurance

On average, drivers who own a 2005 Toyota Scion XB can expect to pay $67 to $139 monthly for liability only and full coverage car insurance, respectively.

Elephant offered the cheapest policy we found, with rates sometimes as cheap as $18 per month.

If you want to find the best premiums for auto insurance for a 2005 Toyota Scion XB, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

---

---

2004 Toyota Scion XB Car Insurance

You can expect full coverage for a 2004 Scion XB to run around $128 a month, while liability only coverage will average about $63 per month.

Looking for the most affordable policy? MetroMile offered liability only coverage for as cheap as just $18 a month.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

---

---

Toyota Scion XB Insurance FAQs

Is a Toyota Scion XB expensive to insure?

Liability insurance runs an average of $66 monthly, while full coverage will cost you around $136. When compared to the national average of all vehicles, rates come in on the more affordable end of the spectrum.

How can I get the best price on car insurance for my Toyota Scion XB?

There's only one way to ensure you're getting the lowest rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from multiple carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Toyota Scion XB affect my insurance premiums?

Have you heard the old adage that it costs more to insure a red car before? Well, that's simply not true. Although there are a variety of things insurance companies examine when they offer you a premium, the color of your Scion XB is not used to make that determination.

Do I need to have insurance before I buy a Toyota Scion XB?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a an SUV is to talk with your car insurance carrier ahead of time.

What car insurance discounts can I get for my Toyota Scion XB?

There are tons of discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your Toyota Scion XB and more on you, but if your Scion XB has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, get in touch with your insurance company and ask about which discounts they offer, since they differ quite a bit from carrier to carrier.