Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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Average insurance rates for a Scion xD are $1,016 a year for full coverage. Comprehensive insurance costs around $148 each year, collision costs $236, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $2,200 or more. Teen drivers receive the highest rates at $4,134 a year or more.
Average premium for full coverage: $1,016
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and xD models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $522 for minimum levels of liability insurance to a high rate of $2,200 for a high-risk driver policy.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas.
The graphic below illustrates how geographic area affects auto insurance rates.
These examples show why all drivers should get quotes for a specific zip code and risk profile, 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 Rate Details
The chart below shows estimated Scion xD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $610
- Choosing higher $1,000 deductibles can save about $88 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,016
- Choosing low deductibles for comp and collision coverage will cost an extra $168 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,200 or more
- The cost for full coverage for a teen driver can be $4,134 each year
Auto insurance rates for a Scion xD can also vary considerably based on your driver profile, the trim level of your xD, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may pay as little as $1,000 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $4,100 a year. View Rates by Age
Where you live plays a big part in determining prices for Scion xD insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Idaho, Maine, and Iowa, or as much as $1,450 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $918 | -$98 | -9.6% |
| Alaska | $778 | -$238 | -23.4% |
| Arizona | $842 | -$174 | -17.1% |
| Arkansas | $1,016 | -$0 | 0.0% |
| California | $1,158 | $142 | 14.0% |
| Colorado | $970 | -$46 | -4.5% |
| Connecticut | $1,044 | $28 | 2.8% |
| Delaware | $1,150 | $134 | 13.2% |
| Florida | $1,272 | $256 | 25.2% |
| Georgia | $936 | -$80 | -7.9% |
| Hawaii | $730 | -$286 | -28.1% |
| Idaho | $686 | -$330 | -32.5% |
| Illinois | $756 | -$260 | -25.6% |
| Indiana | $762 | -$254 | -25.0% |
| Iowa | $686 | -$330 | -32.5% |
| Kansas | $966 | -$50 | -4.9% |
| Kentucky | $1,384 | $368 | 36.2% |
| Louisiana | $1,502 | $486 | 47.8% |
| Maine | $626 | -$390 | -38.4% |
| Maryland | $838 | -$178 | -17.5% |
| Massachusetts | $814 | -$202 | -19.9% |
| Michigan | $1,764 | $748 | 73.6% |
| Minnesota | $850 | -$166 | -16.3% |
| Mississippi | $1,216 | $200 | 19.7% |
| Missouri | $900 | -$116 | -11.4% |
| Montana | $1,090 | $74 | 7.3% |
| Nebraska | $800 | -$216 | -21.3% |
| Nevada | $1,218 | $202 | 19.9% |
| New Hampshire | $730 | -$286 | -28.1% |
| New Jersey | $1,134 | $118 | 11.6% |
| New Mexico | $900 | -$116 | -11.4% |
| New York | $1,068 | $52 | 5.1% |
| North Carolina | $584 | -$432 | -42.5% |
| North Dakota | $832 | -$184 | -18.1% |
| Ohio | $702 | -$314 | -30.9% |
| Oklahoma | $1,044 | $28 | 2.8% |
| Oregon | $928 | -$88 | -8.7% |
| Pennsylvania | $970 | -$46 | -4.5% |
| Rhode Island | $1,354 | $338 | 33.3% |
| South Carolina | $920 | -$96 | -9.4% |
| South Dakota | $858 | -$158 | -15.6% |
| Tennessee | $888 | -$128 | -12.6% |
| Texas | $1,224 | $208 | 20.5% |
| Utah | $752 | -$264 | -26.0% |
| Vermont | $696 | -$320 | -31.5% |
| Virginia | $608 | -$408 | -40.2% |
| Washington | $786 | -$230 | -22.6% |
| West Virginia | $928 | -$88 | -8.7% |
| Wisconsin | $704 | -$312 | -30.7% |
| Wyoming | $906 | -$110 | -10.8% |
Choosing high deductibles can save as much as $260 every year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,200 to $1,700 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 131% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different from one company to the next.
| 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 Find the Best Scion xD Insurance
Saving money on car insurance takes avoiding accidents and claims, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The points below are a brief recap of the information presented in the illustrations above.
- Drivers can save up to $120 per year simply by quoting online in advance
- Drivers under the age of 20 are expensive to insure, costing as high as $345 per month if they have full coverage
- Increasing deductibles can save around $250 each year
- Higher risk drivers who tend to receive serious violations may be required to pay an average of $1,180 more every year to insure a Scion xD
- Policyholders who may need increased liability limits will pay about $520 each year to raise limits from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,134 |
| 20 | $2,346 |
| 30 | $1,034 |
| 40 | $1,016 |
| 50 | $932 |
| 60 | $914 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,184 |
| $250 | $1,108 |
| $500 | $1,016 |
| $1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,016 |
| 50/100 | $1,111 |
| 100/300 | $1,229 |
| 250/500 | $1,537 |
| 100 CSL | $1,158 |
| 300 CSL | $1,419 |
| 500 CSL | $1,609 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,826 |
| 20 | $3,746 |
| 30 | $2,218 |
| 40 | $2,200 |
| 50 | $2,106 |
| 60 | $2,084 |
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 | $51 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $38 |
| Advance Quote | $46 |
| Online Quote | $69 |
| Total Discounts | $406 |
Discounts are estimated and may not be available from every company or in every state.
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