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 approximately $134, collision insurance costs $196, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,080 or more. 16-year-old drivers cost the most to insure at up to $3,956 a year.
Average premium for full coverage: $962
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all xD models.
Price Range Variability
Using a middle-aged driver as an example, Scion xD insurance rates range from as low as $522 for the bare minimum liability coverage to the much higher price of $2,080 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities. The example below illustrates how where you live affects auto insurance prices.
The examples above illustrate why everyone should compare rates using their specific location and risk profile, instead of using rate 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 Rate Information
The chart below illustrates average Scion xD insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $585
- Drivers who choose higher $1,000 deductibles will pay $74 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $962
- Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $142 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,080
- Policy cost for full coverage for a teen driver for full coverage can cost $3,956 a year
Insurance rates for a Scion xD also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $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 $630 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,300 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $220 every year, whereas buying more liability protection will push rates upward. 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 anywhere from $1,200 to $1,700 additional every year, depending on your age. Scion xD insurance for high-risk drivers can cost as much as 43% to 139% more than the average rate. View High Risk Driver Rates
| 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 Cheap Scion xD Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and consideration of higher deductibles. Take the time to comparison shop once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief summary of the data that was touched on in the above illustrations.
- It is possible to save around $110 per year just by quoting online well ahead of the renewal date
- Policyholders who purchase higher liability limits will pay around $520 annually to go from a 30/60 limit to 250/500 limits
- Teenagers are the costliest to insure, possibly costing $330 each month including comprehensive and collision insurance
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,120 more per year for car insurance
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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