Scion xD Insurance Rates

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UPDATED: Jun 10, 2023

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The average insurance rates for a Scion xD are $962 a year for full coverage. Comprehensive insurance costs on average $134, collision insurance costs $196, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,080 or more. Teen drivers cost the most to insure at up to $3,956 a year.

Average premium for full coverage: $962

Policy rates by type of insurance:

Comprehensive $134
Collision $196
Liability $474

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all xD models.

Price Range Variability

For a driver in their 40's, Scion xD insurance rates range from the low end price of $522 for your basic liability-only policy to the much higher price of $2,080 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $962
High Risk $2,080

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The example below illustrates how location helps determine car insurance rates.

Rural Areas $722
Small Cities $1,010
Large Cities $1,299

The examples above show why everyone should get quotes based on a specific location, rather than relying on 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.

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More Rate Information

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

  • The lowest rate with discounts is $585
  • Choosing higher $1,000 deductibles can save around $74 a year
  • The estimated price for a good driver age 40 with $500 deductibles is $962
  • Choosing pricier low deductibles for comp and collision coverage will cost an additional $142 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,080
  • Policy cost that insures a teen driver for full coverage may cost $3,956 each year

View Chart as Image

Scion xD insurance cost comparison chart
Column chart showing Scion xD insurance prices range from $585 to $3,956 for full coverage

Insurance rates for a Scion xD also range considerably based on the model of your xD, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,200 to $1,700 extra every year, depending on your age. Scion xD insurance for high-risk drivers ranges anywhere from 43% to 139% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Scion xD insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or as much as $1,370 on average in Michigan, Louisiana, and New York.

Scion xD Insurance Rates by State
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%

View Chart as Image

Scion xD insurance rates by U.S. city

Choosing high deductibles can save as much as $220 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Scion xD Insurance Rates by Model Year
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 More Affordable Scion xD Insurance

Finding cheaper rates on Scion xD insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Shop around every year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a summary of the coverage data covered in the charts and tables above.

  • Drivers can save as much as $110 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $225 each year
  • Drivers age 20 and younger pay the highest rates, costing up to $330 each month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,120 more each year to buy Scion xD insurance

Rates by Driver Age

Scion xD Insurance 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

Scion xD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,104
$250 $1,040
$500 $962
$1,000 $888

Full coverage, driver age 40

Rates by Liability Limit

Scion xD Insurance Rates with Different Liability Limits
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

Scion xD Insurance 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.

SR-22 Surcharge $131

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
Rate after discounts $585

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

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