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: Feb 28, 2020

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Average insurance rates for a Scion xD are $962 a year for full coverage insurance. Comprehensive costs around $134, collision insurance costs $196, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,080. Teen drivers receive the highest rates at up to $3,956 a year.

Average premium for full coverage: $962

Rate estimates for individual coverage type:

Comprehensive $134
Collision $196
Liability $474

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all xD models.

Price Range by Coverage and Risk

For an average driver, prices range range from the low end price of $522 for basic liability insurance to the much higher price of $2,080 for high-risk insurance.

Liability Only $522
Full Coverage $962
High Risk $2,080

Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $722
Small Cities $1,010
Large Cities $1,299

These examples illustrate why everyone should compare rates for a specific zip code, rather than relying on 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.

Rate Comparisons

The chart below illustrates average Scion xD insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $585
  • Drivers who choose higher $1,000 deductibles will pay about $74 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $962
  • Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,104
  • High risk drivers with multiple violations and an at-fault accident could pay at least $2,080
  • The cost that insures a teen driver for full coverage can be $3,956 a year

View Chart as Image

Scion xD insurance cost comparison chart
Column chart showing Scion xD insurance rates range from $585 to $3,956 for full coverage

Car insurance rates for a Scion xD can also vary considerably based on the model of your xD, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,200 to $1,700 extra per year, depending on your age. Scion xD insurance for high-risk drivers can cost anywhere from 43% to 139% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $3,900 a year. View Rates by Age

Where you live makes a big difference in Scion xD insurance rates. A 40-year-old driver could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,300 on average in Michigan, New York, and Florida.

Scion xD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $870 -$92 -9.6%
Alaska $736 -$226 -23.5%
Arizona $798 -$164 -17.0%
Arkansas $962 -$0 0.0%
California $1,096 $134 13.9%
Colorado $920 -$42 -4.4%
Connecticut $990 $28 2.9%
Delaware $1,088 $126 13.1%
Florida $1,204 $242 25.2%
Georgia $888 -$74 -7.7%
Hawaii $692 -$270 -28.1%
Idaho $650 -$312 -32.4%
Illinois $716 -$246 -25.6%
Indiana $722 -$240 -24.9%
Iowa $648 -$314 -32.6%
Kansas $914 -$48 -5.0%
Kentucky $1,312 $350 36.4%
Louisiana $1,422 $460 47.8%
Maine $594 -$368 -38.3%
Maryland $792 -$170 -17.7%
Massachusetts $770 -$192 -20.0%
Michigan $1,672 $710 73.8%
Minnesota $804 -$158 -16.4%
Mississippi $1,152 $190 19.8%
Missouri $852 -$110 -11.4%
Montana $1,034 $72 7.5%
Nebraska $758 -$204 -21.2%
Nevada $1,154 $192 20.0%
New Hampshire $692 -$270 -28.1%
New Jersey $1,076 $114 11.9%
New Mexico $852 -$110 -11.4%
New York $1,012 $50 5.2%
North Carolina $554 -$408 -42.4%
North Dakota $788 -$174 -18.1%
Ohio $664 -$298 -31.0%
Oklahoma $988 $26 2.7%
Oregon $880 -$82 -8.5%
Pennsylvania $920 -$42 -4.4%
Rhode Island $1,282 $320 33.3%
South Carolina $870 -$92 -9.6%
South Dakota $812 -$150 -15.6%
Tennessee $842 -$120 -12.5%
Texas $1,158 $196 20.4%
Utah $712 -$250 -26.0%
Vermont $660 -$302 -31.4%
Virginia $576 -$386 -40.1%
Washington $744 -$218 -22.7%
West Virginia $880 -$82 -8.5%
Wisconsin $666 -$296 -30.8%
Wyoming $856 -$106 -11.0%

View Chart as Image

Scion xD insurance rates by U.S. city

Choosing high deductibles could save up to $220 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Scion xD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Scion xD $158 $254 $474 $1,044
2009 Scion xD $134 $196 $474 $962

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

Saving money on Scion xD insurance not only requires being a low-risk driver, but also having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a recap of the material that was covered in the above illustrations.

  • Drivers who may need more liability coverage will pay about $520 annually to go from a minimum limit to the 250/500 level
  • Teen drivers are the costliest to insure, costing up to $330 per month if full coverage is purchased
  • High-risk drivers that have major violations or accidents could be forced to pay on average $1,120 more every year to insure their xD
  • Increasing deductibles can save approximately $225 each year

Rates by Driver Age

Scion xD Insurance Rates by Driver Age
Driver Age Premium
16 $3,956
20 $2,216
30 $974
40 $962
50 $884
60 $866

Full coverage, $500 deductibles

Rates by Deductible

Scion xD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,104
$250 $1,040
$500 $962
$1,000 $888

Full coverage, driver age 40

Rates by Liability Limit

Scion xD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $962
50/100 $1,057
100/300 $1,175
250/500 $1,483
100 CSL $1,104
300 CSL $1,365
500 CSL $1,555

Full coverage, driver age 40

Rates for High Risk Drivers

Scion xD Insurance Rates for High Risk Drivers
Age Premium
16 $5,564
20 $3,538
30 $2,090
40 $2,080
50 $1,992
60 $1,970

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 $131

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $58
5-yr Claim Free $60
Paid in Full/EFT $34
Advance Quote $42
Online Quote $64
Total Discounts $377
Rate after discounts $585

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

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