Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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Average auto insurance rates for a Scion xD are $994 annually for full coverage insurance. Comprehensive costs approximately $144, collision costs $214, and liability is estimated at $478. A liability-only policy costs approximately $526 a year, with high-risk insurance costing around $2,150. Teen drivers receive the highest rates at $4,062 a year or more.
Average premium for full coverage: $994
Rate estimates by individual coverage type:
Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all xD models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $526 for basic liability insurance to the much higher price of $2,150 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas.
The example below illustrates how location helps determine auto insurance prices.
These examples illustrate why everyone should get quotes using their specific location and their own personal driving habits, instead of using price averages.
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.
Rate Comparisons
The chart below illustrates estimated Scion xD insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $600
- Choosing higher $1,000 deductibles can save $82 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $994
- Choosing pricier low deductibles for comp and collision coverage will cost $1,150
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,150 or more
- The cost with full coverage for a teen driver for full coverage can cost $4,062 each year
Insurance rates for a Scion xD can also vary considerably based on the trim level of your xD, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,700 extra per year, depending on your age. Scion xD insurance for high-risk drivers ranges as much as 42% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $240 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Scion xD insurance prices. A good driver about age 40 could pay as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,340 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $900 | -$94 | -9.5% |
| Alaska | $762 | -$232 | -23.3% |
| Arizona | $824 | -$170 | -17.1% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,132 | $138 | 13.9% |
| Colorado | $948 | -$46 | -4.6% |
| Connecticut | $1,022 | $28 | 2.8% |
| Delaware | $1,124 | $130 | 13.1% |
| Florida | $1,244 | $250 | 25.2% |
| Georgia | $916 | -$78 | -7.8% |
| Hawaii | $712 | -$282 | -28.4% |
| Idaho | $674 | -$320 | -32.2% |
| Illinois | $740 | -$254 | -25.6% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $946 | -$48 | -4.8% |
| Kentucky | $1,356 | $362 | 36.4% |
| Louisiana | $1,470 | $476 | 47.9% |
| Maine | $612 | -$382 | -38.4% |
| Maryland | $820 | -$174 | -17.5% |
| Massachusetts | $796 | -$198 | -19.9% |
| Michigan | $1,726 | $732 | 73.6% |
| Minnesota | $832 | -$162 | -16.3% |
| Mississippi | $1,192 | $198 | 19.9% |
| Missouri | $882 | -$112 | -11.3% |
| Montana | $1,068 | $74 | 7.4% |
| Nebraska | $784 | -$210 | -21.1% |
| Nevada | $1,192 | $198 | 19.9% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,112 | $118 | 11.9% |
| New Mexico | $878 | -$116 | -11.7% |
| New York | $1,046 | $52 | 5.2% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $686 | -$308 | -31.0% |
| Oklahoma | $1,020 | $26 | 2.6% |
| Oregon | $910 | -$84 | -8.5% |
| Pennsylvania | $948 | -$46 | -4.6% |
| Rhode Island | $1,326 | $332 | 33.4% |
| South Carolina | $900 | -$94 | -9.5% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $872 | -$122 | -12.3% |
| Texas | $1,198 | $204 | 20.5% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $680 | -$314 | -31.6% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $768 | -$226 | -22.7% |
| West Virginia | $910 | -$84 | -8.5% |
| Wisconsin | $688 | -$306 | -30.8% |
| Wyoming | $888 | -$106 | -10.7% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Scion xD | $144 | $214 | $478 | $994 |
| 2009 Scion xD | $122 | $160 | $468 | $908 |
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 Buy Low Cost Scion xD Insurance
Saving money on car insurance takes not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at every other renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following is a review of the concepts that were covered in the charts and tables above.
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,160 more per year for xD insurance
- Teens are expensive to insure, costing up to $339 per month including comprehensive and collision insurance
- It is possible to save around $110 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $250 each year
- It is possible to save around $110 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,062 |
| 20 | $2,290 |
| 30 | $1,010 |
| 40 | $994 |
| 50 | $914 |
| 60 | $894 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,150 |
| $250 | $1,078 |
| $500 | $994 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,090 |
| 100/300 | $1,209 |
| 250/500 | $1,520 |
| 100 CSL | $1,137 |
| 300 CSL | $1,400 |
| 500 CSL | $1,592 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,722 |
| 20 | $3,656 |
| 30 | $2,166 |
| 40 | $2,150 |
| 50 | $2,060 |
| 60 | $2,038 |
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 | $50 |
| Multi-vehicle | $55 |
| Homeowner | $18 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $36 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $394 |
Discounts are estimated and may not be available from every company or in every state.
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