Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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Average insurance rates for a Scion xD are $962 a year for full coverage insurance. Comprehensive insurance costs approximately $134, collision insurance costs $196, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,080 or more. Teenage drivers receive the highest rates at up to $3,956 a year.
Average premium for full coverage: $962
Rate estimates by individual coverage type:
Rates are based on $500 deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different xD trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from as low as $522 for liability-only coverage to a much higher rate of $2,080 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, 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.
Additional Charts and Tables
The chart below illustrates average Scion xD insurance rates for additional coverage and risk scenarios.
- The best discount rate is $585
- Raising to $1,000 deductibles will save $74 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $962
- Using more expensive low deductibles will cost an extra $142 annually
- Drivers who are prone to accidents and violations could pay around $2,080
- The cost for full coverage for a 16-year-old driver with full coverage can cost $3,956
Car insurance rates for a Scion xD can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $3,900 a year. View Rates by Age
Where you live also has a big influence on Scion xD insurance prices. A middle-age driver might find rates as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles can reduce rates by up to $220 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 139% more than a normal policy. View High Risk Driver Rates
| 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 the Best Cheap Scion xD Insurance
Saving money on insurance for a Scion xD consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to compare rates every year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The following is a quick review of the coverage data covered in the above illustrations.
- It is possible to save around $110 per year just by shopping early and online
- Increasing deductibles can save around $225 each year
- Teens pay the highest auto insurance rates, costing up to $330 per month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,120 more per year for xD insurance
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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