Scion xD Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 10, 2023

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Average insurance prices for a Scion xD are $1,016 every 12 months for full coverage. Comprehensive insurance costs an estimated $148 a year, collision insurance costs $236, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,200 or more. Teens receive the highest rates at up to $4,134 a year.

Average premium for full coverage: $1,016

Rate estimates broken down by individual coverage type:

Comprehensive $148
Collision $236
Liability $474

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and xD trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $522 for just the minimum liability insurance to a high of $2,200 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $1,016
High Risk $2,200

Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

Rural Areas $762
Small Cities $1,067
Large Cities $1,372

These examples show why it is important to get quotes for a targeted area and their own driving history, rather than relying 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.

Additional Rate Analysis

The chart below shows average Scion xD insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $610
  • Choosing higher $1,000 deductibles can save approximately $928 a year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,016
  • Selecting low $100 deductibles for comp and collision coverage costs an extra $168 a year
  • High-risk insureds with serious driving violations could pay up to $2,200
  • The cost to insure a teen driver can cost as much as $4,134 each year

View Chart as Image

Scion xD insurance cost comparison chart
Column chart showing Scion xD insurance prices range from $610 to $4,134 for full coverage

Car insurance rates for a Scion xD can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $260 each year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,200 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 131% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Scion xD insurance rates. A good driver about age 40 could pay as low as $670 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,450 on average in New York, Louisiana, and Michigan.

Scion xD Insurance Rates by State
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%

View Chart as Image

Scion xD insurance rates by U.S. city
Scion xD Insurance Rates by Model Year
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 Low Cost Scion xD Insurance

Saving money on Scion xD insurance takes avoiding accidents and violations, maintaining a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Set aside time to shop around at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a review of the data raised in the charts and tables above.

  • Drivers who want higher liability limits will pay approximately $520 each year to raise limits from a minimum limit to a 250/500 level
  • Drivers can save approximately $120 per year just by quoting early and online
  • Increasing deductibles could save as much as $250 each year
  • Teenagers have the highest car insurance rates, costing as high as $345 per month if the policy includes full coverage

Rates by Driver Age

Scion xD Insurance 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

Scion xD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,184
$250 $1,108
$500 $1,016
$1,000 $928

Full coverage, driver age 40

Rates by Liability Limit

Scion xD Insurance Rates with Different Liability Limits
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

Scion xD Insurance 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.

SR-22 Surcharge $139

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
Rate after discounts $610

Discounts are estimated and may not be available from every company or in every state.

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