Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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Average insurance prices for a Scion xD are $962 every 12 months with full coverage. Comprehensive insurance costs on average $134 a year, collision costs $196, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,080 or more. Teens receive the highest rates at $3,956 a year or more.
Average premium for full coverage: $962
Rate estimates by individual coverage type:
Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and xD trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $522 for a discount liability-only rate to a high of $2,080 for a high-risk driver policy.
Price Range by Location
Your location can make a big difference on auto insurance rates. Rural areas tend to have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates how location impacts car insurance rates.
These examples demonstrate why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below details estimated Scion xD insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $585
- Drivers who choose higher $1,000 deductibles will pay around $888 annually
- The average price for a 40-year-old driver with $500 deductibles is $962
- Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $142 annually
- Drivers with serious driving violations could pay upwards of $2,080 or more
- The cost to insure a 16-year-old driver may cost $3,956 a year
Auto insurance rates for a Scion xD can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your xD.
Choosing higher comprehensive and collision insurance deductibles could save up to $220 annually, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $900 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $3,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,200 to $1,700 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 139% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Scion xD insurance prices. A 40-year-old driver could pay as low as $690 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,300 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $870 | -$92 | -9.6% |
| Alaska | $736 | -$226 | -23.5% |
| Arizona | $798 | -$164 | -17.0% |
| Arkansas | $962 | -$0 | 0.0% |
| California | $1,096 | $134 | 13.9% |
| Colorado | $920 | -$42 | -4.4% |
| Connecticut | $990 | $28 | 2.9% |
| Delaware | $1,088 | $126 | 13.1% |
| Florida | $1,204 | $242 | 25.2% |
| Georgia | $888 | -$74 | -7.7% |
| Hawaii | $692 | -$270 | -28.1% |
| Idaho | $650 | -$312 | -32.4% |
| Illinois | $716 | -$246 | -25.6% |
| Indiana | $722 | -$240 | -24.9% |
| Iowa | $648 | -$314 | -32.6% |
| Kansas | $914 | -$48 | -5.0% |
| Kentucky | $1,312 | $350 | 36.4% |
| Louisiana | $1,422 | $460 | 47.8% |
| Maine | $594 | -$368 | -38.3% |
| Maryland | $792 | -$170 | -17.7% |
| Massachusetts | $770 | -$192 | -20.0% |
| Michigan | $1,672 | $710 | 73.8% |
| Minnesota | $804 | -$158 | -16.4% |
| Mississippi | $1,152 | $190 | 19.8% |
| Missouri | $852 | -$110 | -11.4% |
| Montana | $1,034 | $72 | 7.5% |
| Nebraska | $758 | -$204 | -21.2% |
| Nevada | $1,154 | $192 | 20.0% |
| New Hampshire | $692 | -$270 | -28.1% |
| New Jersey | $1,076 | $114 | 11.9% |
| New Mexico | $852 | -$110 | -11.4% |
| New York | $1,012 | $50 | 5.2% |
| North Carolina | $554 | -$408 | -42.4% |
| North Dakota | $788 | -$174 | -18.1% |
| Ohio | $664 | -$298 | -31.0% |
| Oklahoma | $988 | $26 | 2.7% |
| Oregon | $880 | -$82 | -8.5% |
| Pennsylvania | $920 | -$42 | -4.4% |
| Rhode Island | $1,282 | $320 | 33.3% |
| South Carolina | $870 | -$92 | -9.6% |
| South Dakota | $812 | -$150 | -15.6% |
| Tennessee | $842 | -$120 | -12.5% |
| Texas | $1,158 | $196 | 20.4% |
| Utah | $712 | -$250 | -26.0% |
| Vermont | $660 | -$302 | -31.4% |
| Virginia | $576 | -$386 | -40.1% |
| Washington | $744 | -$218 | -22.7% |
| West Virginia | $880 | -$82 | -8.5% |
| Wisconsin | $666 | -$296 | -30.8% |
| Wyoming | $856 | -$106 | -11.0% |
With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every company calculates rates differently, and quoted rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Scion xD | $134 | $196 | $474 | $962 |
| 2009 Scion xD | $120 | $156 | $460 | $894 |
Rates are averaged for all Scion xD 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 xD Insurance
Saving money on insurance for a Scion xD not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Spend time shopping around every time your policy renews by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a brief recap of the information touched on above.
- You may be able to save as much as $110 per year simply by quoting early and online
- Drivers age 20 and younger are charged the highest rates, with premiums as much as $330 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $225 each year
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,120 more each year to buy Scion xD insurance
- Insureds who require increased levels of liability coverage will pay approximately $520 every year to go from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,956 |
| 20 | $2,216 |
| 30 | $974 |
| 40 | $962 |
| 50 | $884 |
| 60 | $866 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,104 |
| $250 | $1,040 |
| $500 | $962 |
| $1,000 | $888 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $962 |
| 50/100 | $1,057 |
| 100/300 | $1,175 |
| 250/500 | $1,483 |
| 100 CSL | $1,104 |
| 300 CSL | $1,365 |
| 500 CSL | $1,555 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,564 |
| 20 | $3,538 |
| 30 | $2,090 |
| 40 | $2,080 |
| 50 | $1,992 |
| 60 | $1,970 |
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 | $48 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $64 |
| Total Discounts | $377 |
Discounts are estimated and may not be available from every company or in every state.
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