Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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Estimated auto insurance rates for a Scion xD are $962 annually including full coverage. Comprehensive costs on average $134 each year, collision insurance costs $196, and liability coverage is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs around $2,080. Teen drivers pay the most at up to $3,956 a year.
Average premium for full coverage: $962
Premium estimates by type of coverage:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and xD models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Scion xD range from as cheap as $522 for liability-only coverage to a high rate of $2,080 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, 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.
Additional Charts and Tables
The chart below breaks down average Scion xD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $585
- Raising to $1,000 deductibles will save around $74 every year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $962
- Choosing low deductibles will cost $1,104
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,080
- An auto insurance policy with full coverage for a teenage driver may cost $3,956
Auto insurance prices for a Scion xD also have a wide range based on the model of your xD, your driving characteristics, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $3,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 139% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $220 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Scion xD insurance rates. A middle-age driver might find prices as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,370 on average in Michigan, New York, and Louisiana.
| 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 Buy the Right Scion xD Insurance
Finding better rates on auto insurance consists of avoiding accidents and violations, having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every couple of years by requesting rates from direct car insurance companies, and also from several local insurance agents.
The list below is a quick rundown of the material that was covered above.
- Consumers who require higher liability limits will pay about $520 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Teenagers are charged the highest prices, with the cost nearing $330 per month if full coverage is included
- Drivers with reckless driving or DUI convictions pay on average $1,120 more each year for car insurance
- Increasing policy deductibles could save up to $225 each year
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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