Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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Average auto insurance rates for a Scion xD are $962 annually for full coverage. Comprehensive costs around $134 a year, collision costs $196, and liability costs $474. A policy with just liability insurance costs as little as $522 a year, with coverage for high-risk drivers costing around $2,080. Teenage drivers receive the highest rates at $3,956 a year or more.
Average premium for full coverage: $962
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all states and xD trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $522 for a discount liability-only rate to a high of $2,080 for a policy for a high-risk driver.
Price Range by Location
Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance rates.
These examples show why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.
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.
Rates by State, City, and Model
The chart below shows estimated Scion xD insurance rates for additional coverage choices and driver risks.
- The best discount rate is $585
- Drivers who choose higher $1,000 deductibles will pay about $888 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $962
- Using low $100 deductibles for comprehensive and collision insurance will cost $1,104
- Drivers who are prone to accidents and violations could pay at least $2,080 or more
- The cost with full coverage for a 16-year-old driver can be $3,956 a year
Insurance rates for a Scion xD can also vary considerably based on the trim level of your xD, your driver profile, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,200 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 139% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $220 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Scion xD insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,370 on average in Michigan, Louisiana, 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% |
With so much variability in rates, the only way to know your exact price is to get quotes from multiple companies. Every company uses a different method to calculate rates, and rates can be significantly different between companies.
| 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 Buy More Affordable Scion xD Insurance
Saving money on insurance for a Scion xD not only requires avoiding accidents and claims, but also having good credit, eliminating unneeded coverage, and taking advantage of discounts. Make time to compare rates every year by quoting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The points below are a summary of the coverage data touched on in this article.
- Drivers can save up to $110 per year simply by quoting early and online
- Increasing deductibles could save up to $225 each year
- Drivers under the age of 20 are charged the highest rates, costing as high as $330 per month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,120 more every year to insure a Scion xD
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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