Scion xD Insurance Rates

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UPDATED: Jun 10, 2023

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Average insurance rates for a Scion xD are $962 a year for full coverage. Comprehensive costs on average $134, collision costs $196, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing around $2,080. Teenage drivers receive the highest rates at $3,956 a year or more.

Average premium for full coverage: $962

Rate estimates by individual coverage type:

Comprehensive $134
Collision $196
Liability $474

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different xD trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the low end price of $522 for just the minimum liability insurance to a much higher rate of $2,080 for a driver required to buy high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

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

These examples show why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of using 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.

Additional Rate Analysis

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

  • The best discount rate is $585
  • Raising to $1,000 deductibles will save around $74 a year
  • The estimated price for a 40-year-old driver with $500 deductibles is $962
  • Using more expensive low deductibles bumps up the cost to $1,104
  • At-risk drivers who are prone to accidents and violations could pay upwards of $2,080 or more
  • The cost that insures a teen driver with full coverage may cost $3,956

View Chart as Image

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

Insurance rates for a Scion xD can also vary considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,200 to $1,700 additional per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 139% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,900 a year. View Rates by Age

Where you live also has a big influence on Scion xD insurance prices. A middle-age driver might find rates as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay 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

Using high physical damage deductibles can reduce rates by up to $220 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different.

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 Affordable Scion xD Insurance

Saving money on car insurance consists of being safe and accident-free, having a good credit score, eliminating unneeded coverage, and insuring your home and auto with the same company. Compare prices at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the data touched on in the above illustrations.

  • Policyholders who require more liability protection will pay an extra $520 each year to raise from a minimum limit to the 250/500 level
  • Drivers can save as much as $110 per year simply by shopping early and online
  • Increasing deductibles can save approximately $225 each year
  • Youthful drivers pay higher rates, costing as high as $330 per month if comprehensive and collision insurance is included

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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