Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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Estimated insurance rates for a Scion xD are $962 a year including full coverage. Comprehensive insurance costs approximately $134, collision insurance costs $196, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs $2,080 or more. Teenage drivers pay the most at up to $3,956 a year.
Average premium for full coverage: $962
Premium estimates by type of coverage:
Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different xD trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Scion xD range from the low end price of $522 for just liability insurance to a much higher rate of $2,080 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should get quotes using their specific location, rather than relying on average rates.
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.
More Rate Details
The chart below breaks down average Scion xD insurance rates for additional coverage and risk scenarios.
- The best discount rate is $585
- Choosing higher $1,000 deductibles can save $74 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $962
- Using more expensive low deductibles for comp and collision coverage will cost an additional $142 a year
- High-risk insureds who are prone to accidents and violations could pay around $2,080
- An auto insurance policy that insures a teen driver with full coverage can cost $3,956 each year
Insurance prices for a Scion xD also have a wide range based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,200 to $1,700 additional annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 139% more than a normal policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Scion xD insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,370 on average in Louisiana, New York, and Michigan.
| 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% |
Using high physical damage deductibles can save as much as $220 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
| 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 Find the Best Scion xD Insurance
Finding better rates on Scion xD insurance takes having a good driving record, having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Compare prices every year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
The next list is a brief recap of the coverage data touched on in the above illustrations.
- You may be able to save around $110 per year just by shopping early and online
- Increasing policy deductibles can save approximately $225 each year
- Drivers age 20 and younger are the costliest to insure, with the cost nearing $330 per month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations will likely pay on average $1,120 more per year to buy Scion xD insurance
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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