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 including full coverage. Comprehensive insurance costs on average $134 each year, collision costs $196, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance 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:

Comprehensive $134
Collision $196
Liability $474

Includes $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and xD models.

Price Range Variability

For a driver in their 40's, Scion xD insurance rates go from as low as $522 for just liability insurance to a high rate of $2,080 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location helps determine car insurance rates.

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

The examples above highlight why all drivers should compare prices 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.

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More Rate Details

The chart below breaks down 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 $74 every year
  • The average rate for a good driver age 40 with $500 deductibles is $962
  • Choosing low deductibles for physical damage coverage will cost an extra $142 a year
  • 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 or more

View Chart as Image

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

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

More mature drivers with no driving violations and high deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $3,900 a year. View Rates by Age

Your home state has a huge impact on Scion xD insurance rates. A driver around age 40 might see rates as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,370 on average in Michigan, New York, and Louisiana.

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 high deductibles could cut rates by as much as $220 each year, whereas increasing liability limits will cost you more. Changing 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 are likely paying at a minimum $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 139% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 Cheapest Scion xD Insurance

Finding cheaper rates on Scion xD insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a recap of the concepts that were covered in the charts and tables above.

  • High-risk drivers that have major violations or accidents may pay on average $1,120 more each year for xD insurance
  • Teens are expensive to insure, with premiums being up to $330 each month if full coverage is included
  • You may be able to save as much as $110 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $225 each year
  • You may be able to save as much as $110 per year simply by quoting online in advance

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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