Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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Estimated insurance rates for a Scion xD are $962 a year including full coverage. Comprehensive costs approximately $134, collision costs $196, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,080. Teen drivers pay the most at $3,956 a year or more.
Average premium for full coverage: $962
Premium estimates by type of coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different xD trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Scion xD go from as low as $522 for minimum levels of liability insurance to a much higher rate of $2,080 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.
The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should get quotes using their specific location and risk profile, 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.
Additional Rate Details
The chart below breaks down estimated Scion xD insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $585
- Choosing higher $1,000 deductibles can save $74 every year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $962
- Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,104
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,080 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can cost $3,956 each year
Insurance prices for a Scion xD also have a wide range based on your driving characteristics, the model of your xD, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Scion xD insurance rates. A good driver about age 40 could pay as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,370 on average in Louisiana, 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% |
Choosing high deductibles can save as much as $220 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,700 additional annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 139% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, and prices will be substantially different from one company to the next.
| 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 Cheaper Scion xD Insurance
Finding better rates on Scion xD insurance takes being safe and accident-free, having a good credit history, refrain from filing small claims, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a condensed summary of the data touched on in this article.
- Drivers who purchase more liability protection will pay about $520 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
- You may be able to save around $110 per year simply by shopping early and online
- Increasing policy deductibles can save around $225 each year
- Youthful drivers are the costliest to insure, with the cost nearing $330 per month including comprehensive and collision 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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