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 including full coverage. Comprehensive insurance costs around $134, collision insurance costs $196, and liability costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs $2,080 or more. Teen drivers pay the highest rates at up to $3,956 a year.
Average premium for full coverage: $962
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all xD models.
Price Range from Low to High
Using a middle-aged driver as an example, Scion xD insurance prices range from the low end price of $522 for minimum levels of liability insurance to the much higher price of $2,080 for a high-risk insurance policy.
Geographic Price Range
Your location can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how where you live affects auto insurance rates.
The ranges above highlight why everyone should compare rates for a specific zip code, instead of making a decision based 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.
Additional Rate Details
The chart below breaks down average Scion xD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $585
- Drivers who choose higher $1,000 deductibles will pay about $74 every year
- The estimated price for the average middle-age driver using $500 deductibles is $962
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $142 annually
- Drivers with multiple violations and an at-fault accident could pay at least $2,080
- The price that insures a 16-year-old driver for full coverage can be $3,956 a year
Insurance prices for a Scion xD are also quite variable based on the model of your xD, your driving record and age, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are likely paying at least $1,200 to $1,700 extra each year, depending on your age. Scion xD insurance for high-risk drivers can cost from 43% to 139% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $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 $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.
| 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% |
Choosing high deductibles could save up to $220 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per 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 Cheaper Scion xD Insurance
Getting lower rates on insurance for a Scion xD not only requires being a good driver, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Shop around at least every other year by getting quotes from direct car insurance companies, and also from local insurance agencies.
The following list is a condensed summary of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,120 more every year than a safer driver
- You may be able to save up to $110 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $225 each year
- Insureds who may need an increased level of liability coverage will pay about $520 per 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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