Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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The average auto insurance rates for a Scion xD are $994 annually for full coverage insurance. Comprehensive costs on average $144, collision costs $214, and liability is estimated at $478. Liability-only insurance costs approximately $526 a year, with high-risk driver insurance costing around $2,150. Teen drivers cost the most to insure at $4,062 a year or more.
Average premium for full coverage: $994
Policy rates by type of insurance:
These estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all xD models.
Price Range Variability
For a driver around age 40, Scion xD insurance rates go from as cheap as $526 for liability-only coverage to the much higher price of $2,150 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above illustrate why everyone should get quotes based on a specific location and their own personal driving habits, instead of using price 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.
Additional Charts and Tables
The chart below illustrates estimated Scion xD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $600
- Choosing higher $1,000 deductibles can save around $82 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $994
- Choosing pricier low deductibles for comp and collision coverage will cost $1,150
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,150 or more
- Policy cost with full coverage for a teen driver for full coverage may cost $4,062 each year
Auto insurance rates for a Scion xD also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $4,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 in extra premium every year, depending on your age. Scion xD insurance for high-risk drivers ranges as much as 42% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $240 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Scion xD insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,340 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, and quoted rates will be varied between companies.
| 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 Buy Cheap Scion xD Insurance
Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief summary of the material that was covered above.
- Policyholders who require more liability protection will pay about $530 annually to raise limits from a 30/60 limit to higher 250/500 limits
- Youthful drivers are charged the highest rates, possibly costing $339 each month if full coverage is included
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,160 more each year than a low-risk driver
- Increasing comprehensive and collision deductibles could save up to $250 each year
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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