Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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The average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive insurance costs around $134, collision costs $196, and liability insurance is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers 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 for type of insurance:
Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all 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 the much higher price of $2,080 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.
The example below illustrates how location helps determine auto insurance rates.
The examples above demonstrate why everyone should compare rates quotes for a specific zip code 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.
More Rate Details
The chart below details estimated Scion xD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $585
- Raising to $1,000 deductibles will save about $74 annually
- The average rate for a good driver age 40 using $500 deductibles is $962
- Choosing pricier low deductibles will cost an extra $142 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,080 or more
- Policy cost for full coverage for a teen driver for full coverage can be $3,956
Insurance rates for a Scion xD also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $3,900 a year. View Rates by Age
Your home state also has a big influence on Scion xD insurance rates. A middle-age driver might find rates as low as $690 a year in states like New Hampshire, Ohio, and Utah, or as much as $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% |
Choosing high deductibles can reduce rates by up to $220 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,200 to $1,700 extra every year, depending on your age. Scion xD insurance for high-risk drivers is expensive and can cost anywhere from 43% to 139% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates will be varied from one company to the next.
| 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 Best Scion xD Insurance
Finding cheaper rates on Scion xD insurance consists of being a safe and courteous driver, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a brief recap of the car insurance concepts covered in the charts and tables above.
- High-risk drivers who tend to receive serious violations pay an average of $1,120 more every year for auto insurance
- You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $225 each year
- Drivers who may need higher levels of liability will pay about $520 every year to raise from a 30/60 limit to 250/500 limits
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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