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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Estimated insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive insurance costs on average $134 a year, collision costs $196, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,080 or more. Teen drivers pay the most at $3,956 a year or more.
Average premium for full coverage: $962
Premium estimates by type of coverage:
Rates are based on $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and xD trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Scion xD go from the low end price of $522 for a discount liability-only rate to a high of $2,080 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can have significant affects on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than larger metro areas.
The diagram below illustrates how where you live affects car insurance rates.
These rate differences demonstrate why it is important to compare prices based on a specific location, instead of 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.
Rates by State, City, and Model
The chart below details estimated Scion xD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $585
- Using higher $1,000 deductibles will save around $888 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $962
- Choosing low $100 deductibles for physical damage coverage will cost an additional $142 every year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,080 or more
- An auto insurance policy that insures a teen driver may cost $3,956 or more
Insurance prices for a Scion xD also have a wide range based on the trim level of your xD, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 139% more than average. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $3,900 a year. View Rates by Age
Where you choose to live has a huge impact on Scion xD insurance prices. A driver around age 40 might see prices as low as $690 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,300 on average in Florida, Michigan, and New York.
| 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 could cut prices by as much as $220 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, so the prices will be substantially different.
| 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 better rates on car insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and bundling your home and auto policies. Shop around every time your policy renews by getting price quotes from direct companies, and also from several local insurance agents.
The following is a quick review of the information touched on in the above illustrations.
- You may be able to save as much as $110 per year simply by quoting early and online
- Teens pay the highest prices, possibly costing $330 per month if full coverage is included
- Increasing policy deductibles can save approximately $225 each year
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,120 more each year for xD insurance
- Policyholders who require higher liability limits will pay about $520 every year to increase from 30/60 bodily injury limits to the 250/500 level
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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