Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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U.S. average insurance rates for a Scion xD are $962 a year for full coverage. Comprehensive costs on average $134, collision insurance costs $196, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,080. Teenage drivers pay the highest rates at up to $3,956 a year.
Average premium for full coverage: $962
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all xD models.
Price Range from Low to High
For the average 40-year-old driver, Scion xD insurance prices range from the low end price of $522 for just liability insurance to the much higher price of $2,080 for a high-risk driver policy.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.
The ranges above show why everyone should compare rates based on a specific location, instead of making a decision based on average rates.
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 Details
The chart below shows average Scion xD insurance rates for different risk profiles and scenarios.
- The best discount rate is $585
- Drivers who choose higher $1,000 deductibles will pay around $74 a year
- The estimated price for the average middle-age driver with $500 deductibles is $962
- Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,104
- Drivers who are prone to accidents and violations could pay upwards of $2,080
- The price that insures a 16-year-old driver for full coverage may cost $3,956 a year
Insurance prices for a Scion xD are also quite variable based on the model of your xD, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,200 to $1,700 additional each year, depending on your age. Scion xD insurance for high-risk drivers can cost from 43% to 139% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,900 a year. View Rates by Age
The state you live in makes a big difference in Scion xD insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,370 on average in Michigan, Louisiana, 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% |
Using high physical damage deductibles could save up to $220 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
| 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 More Affordable Scion xD Insurance
Getting lower rates on insurance for a Scion xD not only requires avoiding accidents and violations, but also having a good credit score, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Compare prices every time your policy renews by getting quotes from direct carriers, and also from local exclusive and independent agents.
The list below is a summary of the information touched on in this article.
- Drivers can save as much as $110 per year just by quoting online well ahead of the renewal date
- Teenagers pay higher prices, with premiums as much as $330 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles can save approximately $225 each year
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,120 more each year for car insurance
- Insureds who require higher liability limits will pay an extra $520 each year to go from a low limit 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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