Scion xD Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 28, 2020

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Average insurance rates for a Scion xD are $962 a year for full coverage. Comprehensive costs on average $134 a year, collision costs $196, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,080. Teen drivers receive the highest rates at $3,956 a year or more.

Average premium for full coverage: $962

Rate estimates by individual coverage type:

Comprehensive $134
Collision $196
Liability $474

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

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $522 for only liability insurance to a high of $2,080 for a high risk driver.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

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

These examples show why it is important to compare rates based on a specific location and risk profile, 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.

Insurance Rate Analysis

The chart below shows estimated Scion xD insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $585
  • Drivers who choose higher $1,000 deductibles will pay around $888 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $962
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,104
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,080 or more
  • The cost for full coverage for a teen driver may cost $3,956 a year

View Chart as Image

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

for a Scion xD can also vary considerably based on your driver profile, the trim level of your xD, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $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 $640 a year in states like Idaho, Maine, and Iowa, or as much as $1,370 on average in Michigan, Louisiana, and New York.

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, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,200 to $1,700 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 139% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 Cheaper Scion xD Insurance

Saving money on Scion xD insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $225 each year
  • Drivers can save as much as $110 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $520 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $330 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,120 more each year for insurance

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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