Scion xD Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 10, 2023
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U.S. average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive costs around $134 a year, collision costs $196, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,080. Teen drivers pay the highest rates at $3,956 a year or more.
Average premium for full coverage: $962
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and xD trim levels.
Price Range from Low to High
For the normal driver, Scion xD insurance prices go from as low as $522 for basic liability insurance to a high of $2,080 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a large influence on insurance rates. Areas with sparse population have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance rates.
The ranges above demonstrate why it is important to compare prices for a specific zip code and risk profile, rather than 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.
Rate Comparisons
The chart below details estimated Scion xD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $585
- Using higher $1,000 deductibles will save about $888 annually
- The average rate for the average middle-age driver using $500 deductibles is $962
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,104
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,080 or more
- The price for full coverage for a teenage driver can be $3,956 or more
Auto insurance prices for a Scion xD are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may only pay around $900 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $3,900 a year. View Rates by Age
The state you live in has a huge impact on Scion xD insurance rates. A driver around age 40 might see prices as low as $690 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,300 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles could cut prices by as much as $220 a year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $1,200 to $1,700 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 43% to 139% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to find out your exact price is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Scion xD | $134 | $196 | $474 | $962 |
| 2009 Scion xD | $120 | $156 | $460 | $894 |
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
Getting lower rates on auto insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following list is a condensed summary of the data presented in the illustrations above.
- Consumers who may need an increased level of liability coverage will pay about $520 every year to increase from a low limit to 250/500 limits
- You may be able to save up to $110 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $225 each year
- Drivers age 16 to 20 are expensive to insure, costing up to $330 a month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,104 |
| $250 | $1,040 |
| $500 | $962 |
| $1,000 | $888 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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