Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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The average insurance prices for a Scion xD are $936 every 12 months for full coverage. Comprehensive costs on average $126, collision costs $178, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,022. Teens cost the most to insure at $3,872 a year or more.
Average premium for full coverage: $936
Policy rates by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different xD trim levels.
Price Range Variability
For a driver around age 40, Scion xD insurance rates go from the cheapest price of $522 for a discount liability-only rate to a much higher rate of $2,022 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion.
The price range example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above show why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, 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.
Rates by State, City, and Model
The chart below shows estimated Scion xD insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $573
- Choosing higher $1,000 deductibles can save around $68 a year
- The average price for a good driver age 40 with $500 deductibles is $936
- Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,068
- Drivers with serious driving violations could pay upwards of $2,022 or more
- Policy cost to insure a teenage driver with full coverage may cost $3,872 each year
Auto insurance rates for a Scion xD also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your xD.
Choosing higher comprehensive and collision insurance deductibles can save as much as $200 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $3,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance ranges around 41% to 131% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Scion xD insurance rates. A good driver about age 40 could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,340 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $848 | -$88 | -9.4% |
| Alaska | $716 | -$220 | -23.5% |
| Arizona | $776 | -$160 | -17.1% |
| Arkansas | $936 | -$0 | 0.0% |
| California | $1,068 | $132 | 14.1% |
| Colorado | $894 | -$42 | -4.5% |
| Connecticut | $964 | $28 | 3.0% |
| Delaware | $1,060 | $124 | 13.2% |
| Florida | $1,170 | $234 | 25.0% |
| Georgia | $862 | -$74 | -7.9% |
| Hawaii | $672 | -$264 | -28.2% |
| Idaho | $632 | -$304 | -32.5% |
| Illinois | $696 | -$240 | -25.6% |
| Indiana | $702 | -$234 | -25.0% |
| Iowa | $630 | -$306 | -32.7% |
| Kansas | $892 | -$44 | -4.7% |
| Kentucky | $1,278 | $342 | 36.5% |
| Louisiana | $1,384 | $448 | 47.9% |
| Maine | $578 | -$358 | -38.2% |
| Maryland | $772 | -$164 | -17.5% |
| Massachusetts | $748 | -$188 | -20.1% |
| Michigan | $1,626 | $690 | 73.7% |
| Minnesota | $784 | -$152 | -16.2% |
| Mississippi | $1,120 | $184 | 19.7% |
| Missouri | $830 | -$106 | -11.3% |
| Montana | $1,004 | $68 | 7.3% |
| Nebraska | $736 | -$200 | -21.4% |
| Nevada | $1,122 | $186 | 19.9% |
| New Hampshire | $672 | -$264 | -28.2% |
| New Jersey | $1,046 | $110 | 11.8% |
| New Mexico | $830 | -$106 | -11.3% |
| New York | $986 | $50 | 5.3% |
| North Carolina | $538 | -$398 | -42.5% |
| North Dakota | $766 | -$170 | -18.2% |
| Ohio | $646 | -$290 | -31.0% |
| Oklahoma | $960 | $24 | 2.6% |
| Oregon | $858 | -$78 | -8.3% |
| Pennsylvania | $894 | -$42 | -4.5% |
| Rhode Island | $1,248 | $312 | 33.3% |
| South Carolina | $848 | -$88 | -9.4% |
| South Dakota | $790 | -$146 | -15.6% |
| Tennessee | $820 | -$116 | -12.4% |
| Texas | $1,128 | $192 | 20.5% |
| Utah | $692 | -$244 | -26.1% |
| Vermont | $642 | -$294 | -31.4% |
| Virginia | $560 | -$376 | -40.2% |
| Washington | $724 | -$212 | -22.6% |
| West Virginia | $858 | -$78 | -8.3% |
| Wisconsin | $648 | -$288 | -30.8% |
| Wyoming | $834 | -$102 | -10.9% |
Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see how they stack up. Each auto insurer calculates rates differently, and quoted rates will be varied.
| 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 Affordable Scion xD Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at least every other year by getting quotes from direct carriers, and also from local independent and exclusive agents.
The list below is a brief review of the car insurance concepts covered above.
- Drivers with DUI or reckless driving convictions pay an average of $1,090 more each year for car insurance
- Drivers can save as much as $100 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $200 each year
- Consumers who require higher liability limits will pay approximately $520 each year to raise limits from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,872 |
| 20 | $2,156 |
| 30 | $946 |
| 40 | $936 |
| 50 | $860 |
| 60 | $842 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,068 |
| $250 | $1,008 |
| $500 | $936 |
| $1,000 | $868 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $936 |
| 50/100 | $1,031 |
| 100/300 | $1,149 |
| 250/500 | $1,457 |
| 100 CSL | $1,078 |
| 300 CSL | $1,339 |
| 500 CSL | $1,529 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,444 |
| 20 | $3,440 |
| 30 | $2,030 |
| 40 | $2,022 |
| 50 | $1,936 |
| 60 | $1,916 |
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 | $47 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $32 |
| Advance Quote | $40 |
| Online Quote | $62 |
| Total Discounts | $363 |
Discounts are estimated and may not be available from every company or in every state.
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