Scion xD Insurance Rates

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UPDATED: Jun 10, 2023

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Average insurance prices for a Scion xD are $994 every 12 months including full coverage. Comprehensive costs on average $144 each year, collision insurance costs $214, and liability costs around $478. Buying just liability costs as low as $526 a year, and insurance for high-risk drivers costs around $2,150. Teens receive the highest rates at up to $4,062 a year.

Average premium for full coverage: $994

Rate estimates by individual coverage type:

Comprehensive $144
Collision $214
Liability $478

Estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and xD models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $526 for just liability coverage to a high rate of $2,150 for a high-risk insurance policy.

Liability Only $526
Full Coverage $994
High Risk $2,150

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.

Rural Areas $746
Small Cities $1,044
Large Cities $1,342

These examples highlight why all drivers should compare prices based on a specific location and their own driving history, instead of making a decision based 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.

Detailed Rate Analysis

The chart below breaks down average Scion xD insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $600
  • Using higher $1,000 deductibles will save around $82 every year
  • The average price for a 40-year-old driver with $500 deductibles is $994
  • Selecting low deductibles for physical damage coverage increases the price to $1,150
  • High-risk insureds with serious driving violations could pay upwards of $2,150
  • The cost to insure a 16-year-old driver may cost $4,062 or more

View Chart as Image

Scion xD insurance cost comparison chart
Column chart showing Scion xD insurance rates range from $600 to $4,062 for full coverage

Auto insurance rates for a Scion xD can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your xD.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $240 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $900 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $4,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,200 to $1,700 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 42% to 134% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Scion xD insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,420 on average in Michigan, New York, and Louisiana.

Scion xD Insurance Rates by State
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%

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 $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 Shop for Low Cost Scion xD Insurance

Saving money on insurance for a Scion xD requires being a safe and courteous driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a review of the car insurance concepts raised in the charts and tables above.

  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,160 more each year for auto insurance
  • You may be able to save as much as $110 per year just by quoting online in advance
  • Increasing deductibles could save as much as $250 each year
  • Insureds who require higher levels of liability will pay approximately $530 per year to increase from a minimum limit to a 250/500 level

Rates by Driver Age

Scion xD Insurance 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

Scion xD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,150
$250 $1,078
$500 $994
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Scion xD Insurance Rates with Different Liability Limits
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

Scion xD Insurance 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.

SR-22 Surcharge $135

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
Rate after discounts $600

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

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