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...
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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 insurance. Comprehensive insurance costs around $134, collision costs $196, and liability insurance is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing $2,080 or more. 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:
Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all xD models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $522 for your basic liability-only policy to the much higher price of $2,080 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities.
The example below illustrates how your location can change auto insurance rates.
These examples illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying 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.
More Rate Information
The chart below illustrates estimated Scion xD insurance rates for additional coverage choices and driver risks.
- The best discount rate is $585
- Choosing higher $1,000 deductibles can save about $74 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $962
- Using pricier low deductibles for comp and collision coverage costs an additional $142 a year
- High-risk insureds who are prone to accidents and violations could pay at least $2,080 or more
- The cost with full coverage for a teen driver for full coverage can be $3,956 each year
Insurance rates for a Scion xD can also vary considerably based on the trim level of your xD, your risk profile, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $900 annually 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 are probably paying at least $1,200 to $1,700 additional per year, depending on your age. Scion xD insurance for high-risk drivers ranges anywhere from 43% to 139% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $220 each year, whereas buying more liability protection will increase rates. Switching 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 plays a big part in determining prices for Scion xD insurance rates. A good driver about age 40 could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,300 on average in Michigan, New York, and Florida.
| 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 figure out your exact price is to regularly compare rates from as many companies as possible. Each auto insurer 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 the Best Cheap Scion xD Insurance
Saving money on Scion xD insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a quick review of the ideas that were illustrated above.
- Drivers age 20 and younger are charged the highest rates, costing up to $330 per month if they have full coverage
- High-risk drivers with a DUI or reckless driving violation pay on average $1,120 more every year to buy Scion xD insurance
- Increasing deductibles could save up to $225 each year
- It is possible to save up to $110 per year simply 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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