Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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The average insurance rates for a Scion xD are $994 a year for full coverage insurance. Comprehensive costs an estimated $144, collision insurance costs $214, and liability coverage is $478. Buying just liability costs around $526 a year, and insurance for high-risk drivers costs around $2,150. Teens cost the most to insure at up to $4,062 a year.
Average premium for full coverage: $994
Policy rates broken down by type of insurance:
Includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different xD trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Scion xD insurance rates range from as low as $526 for just the minimum liability insurance to a much higher rate of $2,150 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than using 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.
Additional Rate Analysis
The chart below illustrates average Scion xD insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $600
- Raising to $1,000 deductibles will save approximately $82 each year
- The average rate for a good driver age 40 who has $500 deductibles is $994
- Selecting more expensive low deductibles will increase the cost to $1,150
- Unlucky drivers with serious driving violations could pay up to $2,150
- Policy cost for full coverage for a teenage driver with full coverage can cost as much as $4,062
Insurance rates for a Scion xD also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,000 a year. View Rates by Age
Your home state also has a big influence on Scion xD insurance rates. A middle-age driver might find rates as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $240 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 134% more than the average policy. View High Risk Driver Rates
| 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 Find the Cheapest Scion xD Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and claims, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a recap of the coverage data raised in the charts and tables above.
- It is possible to save approximately $110 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save around $250 each year
- Drivers under the age of 20 are charged the highest rates, possibly costing $339 each month for full coverage
- Drivers that have major violations or accidents pay on average $1,160 more annually to insure a Scion xD
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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