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

Quick Facts

• A Toyota Scion XA is less expensive to insure compared to the average car.

• Liability only car insurance rates for a Scion XA run about $75 per month, while full coverage generally comes in at around $136.

• ACG is the most affordable auto insurance carrier for a Scion XA with a national average of just $22 a month for liability only coverage.

Scion XA Overview

The Toyota Scion XA is a great budget-friendly car for drivers of all types, with 2006 models starting at $12,780.

We analyzed thousands of insurance quotes on Compare.com, and we've found that average Toyota Scion XA car insurance prices run about $98 per month. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Toyota Scion XA?

In the table above, you'll find that Toyota Scion XA insurance premiums are cheaper than average. Scion XA drivers usually pay around $136 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $75 monthly for liability only insurance (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Compared to other models, the Scion XA is more affordable, with prices about 16% lower than the other vehicle types offered by Toyota. Likewise, compared to other vehicles of a similar body style, Scion XA coverage is below average, with both full coverage and liability only insurance averaging less expensive premiums than other cars.

Overall, they're just more affordable to insure than the average vehicle, regardless of model, make, or body style.

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

Browsing for an auto insurance policy for your Toyota Scion XA? You might want to know which company offers the most affordable prices. Even though rates can fluctuate considerably depending on your driver profile, the lowest average rates for liability only insurance are sometimes as little as $22 per month from ACG. The next cheapest carrier is CSAA, who offers insurance as little as $29 a month.

NationalGeneral, Shelter Mutual, and Hugo round out the end of the top 5 list. But 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.

Insurance companies take a whole range of different things into consideration when calculating monthly premiums. By checking quotes from a wide array of auto insurance carriers at once, you can be confident you're finding the most affordable rate.

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

There are an array of factors that insurance companies take a look at to calculate how much they charge for auto insurance -- and every company uses a different algorithm, so there's not one carrier that's the lowest for each driver.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Toyota has been making the Scion XA for quite some time -- and that means the car's age may make a difference in how much you'll pay for car insurance. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and Scion XAs continue to depreciate, insurance costs will gradually get lower.

A new Toyota Scion XA 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 XAs to insure are those that are 15 years old or more, while the cheapest models are Scion XAs that are 6 to 7 years old, on average.

Your Age

Your age is another variable that makes a big difference in how much insurance carriers will charge. Based on the information above, drivers who have more experience have more affordable premiums compared to drivers who are under 24. Toyota Scion XA drivers 18 to 24 actually pay $40 more than those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group for Scion XA drivers being 55-64.

Your Gender

Because women are less likely to get tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, insurance companies will tend to charge women less than men. For Scion XA owners, that difference is around $8 monthly, with women paying an average of $78 and men looking at around $70.

Where You Live

You may think it's obvious that variables such as what vehicle you drive and how old you are play a role in your auto insurance rates, but you may not realize that where you live has just as much of an impact. Since car insurance is regulated on a state-by-state basis, prices shift quite a bit from state to state.

For example, the average Toyota Scion XA owner from New York pays about $171 a month for liability coverage, while on average, the same driver from California will pay less than 50% of that price. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change from state to state.

Toyota Scion XA Car Insurance Discounts

Whatever what state you live in, what vehicle you drive, or how old you are, it's always the smart move to take advantage of as many insurance discounts as possible when shopping around for a policy.

Not every auto insurance company will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Multi-vehicle discounts for adding more than one car to your auto policy
• Pay-in-full discounts for drivers who agree to pay their entire policy rate at once, rather than by monthly payments
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings

These are just a few of the discounts car insurance carriers offer, and sometimes, it's actually having a good record when it comes to both auto insurance and driving that get you the best rates.

Although you can't control every single aspect of your insurance profile (like some of the pieces we mentioned above), there is quite bit in your control. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've almost certainly observed ads from car insurance companies promoting hefty savings for safe drivers. It checks out that your insurance prices will go up if you get cited for speeding or get into a collision. But you're probably wondering exactly how much these infractions can cost you.

According to the table above, accidents will usually cost Scion XA drivers less than tickets, but both will result in above average rates. Toyota Scion XA drivers with one ticket will pay about $109 per month, while drivers with a single accident on their record pay an average of $89 per month (up $14 from the $75/mo. overall average). The rates only increase the more collisions you have or tickets you get.

How Much You Drive

The total distance you drive plays a role when it comes to your car insurance rates. Those who drive less often have fewer opportunities to get into an accident, so they'll normally be offered cheaper premiums. In the above table, you can see that Toyota Scion XA owners who drive 10,000 miles or more pay $78 for auto insurance, while those who drive fewer than 2,500 miles every year pay an average of $51 monthly.

But if you're one of those drivers who don't put very many miles on your Toyota Scion XA each year, you might consider getting a usage-based or pay-per-mile car insurance policy. With these kinds of 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 XAs Compare to Other Vehicles?

If you're considering buying a Toyota Scion XA, it might be helpful to do your homework. Car insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Visit the table below to see how the Toyota Scion XA compares:

Overall, the Toyota Scion XA is a great value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. While the national average vehicle price is $29,878, the Scion XA has a base price of just $12,780. A used Scion XA will be even less expensive, since there hasn't been a new model on the market recently.

Likewise, auto insurance prices are slightly cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Toyota Scion XA is around $25 a month cheaper than average, while liability only coverage is $3 cheaper a month.

When it comes to usage, Toyota Scion XA owners drive about the same amount annually as the national average, with 11,660 miles each year for all vehicles compared to the Scion XA's 10,875 a year.

Toyota Scion XA Car Insurance Costs by Model Year

We've walked through many of the factors that can affect a driver's insurance rates. If you're considering purchasing a new Scion XA, knowing how much your vehicle will likely cost can be helpful as you consider your options.

That's why we've broken down Toyota Scion XA car insurance premiums by model year. Choose a specific Scion XA model year in the dropdown below and see average rates for both liability only and full coverage, as well as some other helpful info, like the base MSRP, which trim levels are offered, and who offers the cheapest policies for each year the Scion XA has been around.

2006 Toyota Scion XA Car Insurance

It costs about $78 per month for liability or $144 for a full coverage policy for the 2006 Scion XA.

If you're looking for the cheapest possible 2006 Toyota Scion XA insurance policy, Mercury offered the lowest policy we found, with rates as little as just $16 monthly.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

2005 Toyota Scion XA Car Insurance

2005 Toyota Scion XA drivers can expect to pay an average of $68 per month for liability or $121 for full coverage.

We found Kemper offered the most affordable policy, with rates sometimes as low as $16 a month.

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

2004 Toyota Scion XA Car Insurance

On average, drivers who own a 2004 Scion XA can expect to pay $77 to $135 monthly for liability only and full coverage auto insurance, respectively.

Mercury has prices as cheap as just $15 per month for the 2004 Toyota Scion XA.

Want to know exactly what your insurance price will be? Get multiple free customized quotes by just entering your ZIP code below.

Toyota Scion XA Insurance FAQs

Is a Toyota Scion XA expensive to insure?

Liability insurance runs an average of $75 monthly, while full coverage will cost you around $136. The Toyota Scion XA is less expensive to insure compared to the average car.

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

The only way to ensure you're getting the cheapest price on auto insurance is to check prices regularly and compare quotes from a whole range of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole bunch of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota Scion XA affect my insurance rates?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not true. Although there are many things car insurance carriers consider when they offer prices, the color of your Scion XA is not on that list.

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

You'll need to have valid insurance for your car before you can legally drive your it off the dealership lot. Some dealerships will offer you a car insurance policy as part of the buying process, but it's best to let your auto insurance carrier know ahead of time.

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

You will find a multitude of discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your Toyota Scion XA and more on you, but if your Scion XA has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, reach out to your insurance company and ask about their discounts.