Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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The average insurance prices for a Scion xD are $962 every 12 months with full coverage. Comprehensive insurance costs on average $134 each year, collision costs $196, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,080 or more. Teens cost the most to insure at $3,956 a year or more.
Average premium for full coverage: $962
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and xD models.
Price Range Variability
Using a 40-year-old driver as an example, Scion xD insurance rates go from the cheapest price of $522 for just liability insurance to a high rate of $2,080 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above demonstrate why all drivers should compare rates based on a specific location and their own driving history, 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.
More Rate Details
The chart below details estimated Scion xD insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $585
- Drivers who choose higher $1,000 deductibles will pay around $74 annually
- The average price for a good driver age 40 with $500 deductibles is $962
- Selecting low deductibles for comprehensive and collision insurance costs an extra $142 annually
- Drivers with serious driving violations could pay upwards of $2,080 or more
- Policy cost to insure a 16-year-old driver may cost $3,956 a year
Car insurance rates for a Scion xD also range considerably based on liability limits and deductibles, your driving record, and the trim level of your xD.
Choosing higher comprehensive and collision insurance deductibles could save up to $220 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $3,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $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
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.
| 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every company calculates rates differently, so rate quotes will be varied.
| 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 Shop for the Best Cheap Scion xD Insurance
Finding cheaper rates on insurance for a Scion xD not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around every other policy renewal by getting quotes from direct companies, and also from local exclusive and independent agents.
The following items are a quick review of the ideas that were raised in the charts and tables above.
- 16 to 18-year-old drivers are expensive to insure, as much as $330 each month if the policy includes full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,120 more each year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- You may be able to save as much as $110 per year simply by quoting online in advance
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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