Scion xD Insurance Rates

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UPDATED: Jun 10, 2023

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The average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive costs around $134 each year, collision insurance costs $196, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,080. Teens cost the most to insure at up to $3,956 a year.

Average premium for full coverage: $962

Policy rates for type of insurance:

Comprehensive $134
Collision $196
Liability $474

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and xD models.

Price Range Variability

For the normal driver, Scion xD insurance rates range from as low as $522 for minimum levels of liability insurance to a high rate of $2,080 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.

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

The examples above demonstrate why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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 details average Scion xD insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $585
  • Drivers who choose higher $1,000 deductibles will pay about $74 annually
  • The average rate for a good driver age 40 using $500 deductibles is $962
  • Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,104
  • Drivers with serious driving violations could pay at least $2,080
  • Policy cost for full coverage for a 16-year-old driver can be $3,956 a year

View Chart as Image

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

Car insurance rates for a Scion xD also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $3,900 a year. View Rates by Age

Your home state makes a big difference in Scion xD insurance prices. A 40-year-old driver could pay as low as $690 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,300 on average in Florida, Michigan, 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

Choosing higher comprehensive and collision insurance deductibles could save up to $220 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 139% more than the average policy. View High Risk Driver Rates

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 the Best Scion xD Insurance

Finding cheaper rates on insurance for a Scion xD not only requires having a decent driving record, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief recap of the primary concepts that were presented in the illustrations above.

  • You may be able to save up to $110 per year just by quoting online in advance
  • Drivers considered higher risk who tend to receive serious violations pay an average of $1,120 more every year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles can save around $225 each year
  • 16 to 18-year-old drivers are the costliest to insure, as much as $330 each month if full coverage 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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