Scion xD Insurance Rates

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UPDATED: Jun 10, 2023

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Average auto insurance rates for a Scion xD are $962 annually for full coverage insurance. Comprehensive costs on average $134 each year, collision costs $196, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,080. 16-year-old drivers receive the highest rates at $3,956 a year or more.

Average premium for full coverage: $962

Rate estimates by individual coverage type:

Comprehensive $134
Collision $196
Liability $474

Price estimates include $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and xD models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $522 for your basic liability-only policy to a high rate of $2,080 for a driver required to buy high-risk insurance.

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

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than congested cities.

The graphic below illustrates how geographic area affects car insurance rates.

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

These examples illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on 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.

More Rate Information

The chart below illustrates estimated Scion xD insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $585
  • Using higher $1,000 deductibles will save around $74 each year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $962
  • Buying low deductibles for physical damage coverage will cost $1,104
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,080 or more
  • The cost with full coverage for a 16-year-old 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 rates range from $585 to $3,956

Car insurance rates for a Scion xD can also vary considerably based on the trim level of your xD, your risk profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $3,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers can be from 43% to 139% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $220 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Scion xD insurance prices. A driver around age 40 might see rates as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,300 on average in Michigan, New York, and Florida.

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

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different between companies.

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 Buy Cheaper Scion xD Insurance

Saving money on insurance for a Scion xD requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a condensed summary of the data presented in the illustrations above.

  • Insureds who require higher liability limits will pay around $520 annually to increase from a minimum limit to higher 250/500 limits
  • It is possible to save as much as $110 per year simply by quoting online in advance
  • Increasing deductibles could save up to $225 each year
  • Teens are expensive to insure, costing up to $330 per month if comprehensive and collision insurance 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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