Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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Average insurance prices for a Scion xD are $1,016 every 12 months including full coverage. Comprehensive insurance costs an estimated $148, collision costs $236, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,200 or more. 16-year-old drivers receive the highest rates at $4,134 a year or more.
Average premium for full coverage: $1,016
Rate estimates broken down by individual coverage type:
Full coverage includes $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all xD models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $522 for just liability insurance to the much higher price of $2,200 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than congested cities.
The example below illustrates how geographic area affects insurance prices.
These examples highlight why everyone should compare rates quotes for a targeted area and their own driving history, instead of using rate 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.
More Rate Details
The chart below breaks down estimated Scion xD insurance rates for other coverage scenarios.
- The best full coverage rate is $610
- Raising to $1,000 deductibles will save approximately $88 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,016
- Buying pricier low deductibles costs an extra $168 every year
- At-risk drivers with multiple tickets or accidents could pay up to $2,200 or more
- The cost to insure a teen driver for full coverage can cost as much as $4,134
Insurance rates for a Scion xD can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles can reduce rates by up to $260 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $4,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,200 to $1,700 additional per year, depending on your age. Scion xD insurance for high-risk drivers is expensive and can cost as much as 41% to 131% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Scion xD insurance prices. A middle-age driver might find rates as low as $780 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,450 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $918 | -$98 | -9.6% |
| Alaska | $778 | -$238 | -23.4% |
| Arizona | $842 | -$174 | -17.1% |
| Arkansas | $1,016 | -$0 | 0.0% |
| California | $1,158 | $142 | 14.0% |
| Colorado | $970 | -$46 | -4.5% |
| Connecticut | $1,044 | $28 | 2.8% |
| Delaware | $1,150 | $134 | 13.2% |
| Florida | $1,272 | $256 | 25.2% |
| Georgia | $936 | -$80 | -7.9% |
| Hawaii | $730 | -$286 | -28.1% |
| Idaho | $686 | -$330 | -32.5% |
| Illinois | $756 | -$260 | -25.6% |
| Indiana | $762 | -$254 | -25.0% |
| Iowa | $686 | -$330 | -32.5% |
| Kansas | $966 | -$50 | -4.9% |
| Kentucky | $1,384 | $368 | 36.2% |
| Louisiana | $1,502 | $486 | 47.8% |
| Maine | $626 | -$390 | -38.4% |
| Maryland | $838 | -$178 | -17.5% |
| Massachusetts | $814 | -$202 | -19.9% |
| Michigan | $1,764 | $748 | 73.6% |
| Minnesota | $850 | -$166 | -16.3% |
| Mississippi | $1,216 | $200 | 19.7% |
| Missouri | $900 | -$116 | -11.4% |
| Montana | $1,090 | $74 | 7.3% |
| Nebraska | $800 | -$216 | -21.3% |
| Nevada | $1,218 | $202 | 19.9% |
| New Hampshire | $730 | -$286 | -28.1% |
| New Jersey | $1,134 | $118 | 11.6% |
| New Mexico | $900 | -$116 | -11.4% |
| New York | $1,068 | $52 | 5.1% |
| North Carolina | $584 | -$432 | -42.5% |
| North Dakota | $832 | -$184 | -18.1% |
| Ohio | $702 | -$314 | -30.9% |
| Oklahoma | $1,044 | $28 | 2.8% |
| Oregon | $928 | -$88 | -8.7% |
| Pennsylvania | $970 | -$46 | -4.5% |
| Rhode Island | $1,354 | $338 | 33.3% |
| South Carolina | $920 | -$96 | -9.4% |
| South Dakota | $858 | -$158 | -15.6% |
| Tennessee | $888 | -$128 | -12.6% |
| Texas | $1,224 | $208 | 20.5% |
| Utah | $752 | -$264 | -26.0% |
| Vermont | $696 | -$320 | -31.5% |
| Virginia | $608 | -$408 | -40.2% |
| Washington | $786 | -$230 | -22.6% |
| West Virginia | $928 | -$88 | -8.7% |
| Wisconsin | $704 | -$312 | -30.7% |
| Wyoming | $906 | -$110 | -10.8% |
With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Scion xD | $148 | $236 | $474 | $1,016 |
| 2009 Scion xD | $126 | $178 | $474 | $936 |
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 More Affordable Scion xD Insurance
Saving money on car insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
Below is a summary of the data presented in the illustrations above.
- Policyholders who want higher levels of liability will pay around $520 per year to raise from a minimum limit to a 250/500 level
- You may be able to save approximately $120 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $250 each year
- Teenage drivers are expensive to insure, as much as $345 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,134 |
| 20 | $2,346 |
| 30 | $1,034 |
| 40 | $1,016 |
| 50 | $932 |
| 60 | $914 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,184 |
| $250 | $1,108 |
| $500 | $1,016 |
| $1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,016 |
| 50/100 | $1,111 |
| 100/300 | $1,229 |
| 250/500 | $1,537 |
| 100 CSL | $1,158 |
| 300 CSL | $1,419 |
| 500 CSL | $1,609 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,826 |
| 20 | $3,746 |
| 30 | $2,218 |
| 40 | $2,200 |
| 50 | $2,106 |
| 60 | $2,084 |
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 | $51 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $38 |
| Advance Quote | $46 |
| Online Quote | $69 |
| Total Discounts | $406 |
Discounts are estimated and may not be available from every company or in every state.
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