Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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U.S. average insurance prices for a Scion xD are $962 every 12 months for full coverage. Comprehensive insurance costs an estimated $134, collision insurance costs $196, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,080 or more. Teen drivers pay the highest rates at up to $3,956 a year.
Average premium for full coverage: $962
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all xD models.
Price Range from Low to High
Using a 40-year-old driver as an example, Scion xD insurance prices range from the cheapest price of $522 for your basic liability-only policy to the much higher price of $2,080 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a large influence on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.
The ranges above show why everyone should compare prices for a targeted area and their own driving history, 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.
More Rate Information
The chart below shows average Scion xD insurance rates for other coverage scenarios.
- The lowest rate with discounts is $585
- Using higher $1,000 deductibles will save approximately $74 a year
- The average price for the average middle-age driver who has $500 deductibles is $962
- Choosing pricier low deductibles for physical damage coverage costs an extra $142 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,080
- The price to insure a teenage driver for full coverage can cost as much as $3,956 or more
Auto insurance prices for a Scion xD are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing high deductibles could cut prices by as much as $220 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $900 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,200 to $1,700 in extra premium each year, depending on your age. Scion xD insurance for high-risk drivers can be around 43% to 139% more than average. View High Risk Driver Rates
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 $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,370 on average in New York, Louisiana, 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% |
| 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 Shop for Cheaper Scion xD Insurance
Getting lower rates on auto insurance requires avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a condensed summary of the concepts that were raised in the charts and tables above.
- Drivers with multiple at-fault accidents pay on average $1,120 more annually to insure a Scion xD
- Drivers under the age of 20 are the costliest to insure, with premiums as much as $330 a month if comprehensive and collision insurance is included
- Drivers can save approximately $110 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $225 each year
- Drivers can save approximately $110 per year just by quoting online well ahead of the renewal date
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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