Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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The average insurance rates for a Scion xD are $962 a year for full coverage insurance. Comprehensive insurance costs on average $134 a year, collision costs $196, and liability insurance is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,080 or more. Teen drivers cost the most to insure at $3,956 a year or more.
Average premium for full coverage: $962
Policy rates by type of insurance:
Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and xD trim levels.
Price Range Variability
For a driver in their 40's, Scion xD insurance rates go from as low as $522 for just liability coverage to a high of $2,080 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than larger metro areas.
The diagram below illustrates how location helps determine car insurance rates.
The examples above illustrate why it is important to compare rates quotes based on a 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.
Detailed Rate Analysis
The chart below illustrates estimated 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 $888 each year
- The average rate for a good driver age 40 with $500 deductibles is $962
- Choosing low $100 deductibles will cost an extra $142 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,080 or more
- Policy cost for full coverage for a teen driver may cost $3,956
Insurance rates for a Scion xD also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $3,900 a year. View Rates by Age
Your home state also has a big influence on Scion xD insurance rates. A middle-age driver might find rates as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or 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% |
Choosing high deductibles can reduce rates by up to $220 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 139% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates will be varied 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 the Best Cheap Scion xD Insurance
Finding cheaper rates on Scion xD insurance consists of being a safe and courteous driver, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a quick review of the ideas that were covered in the charts and tables above.
- Teenage drivers pay higher rates, possibly costing $330 each month including comprehensive and collision insurance
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,120 more each year for auto insurance
- Increasing comprehensive and collision deductibles can save around $225 each year
- It is possible to save as much as $110 per year simply by quoting early and online
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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