Scion xD Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 10, 2023
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The average insurance rates for a Scion xD are $962 a year for full coverage. Comprehensive insurance costs on average $134, collision costs $196, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,080 or more. Teenage drivers cost the most to insure at $3,956 a year or more.
Average premium for full coverage: $962
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all xD models.
Price Range Variability
For the normal driver, Scion xD insurance rates go from as low as $522 for basic liability insurance to the much higher price of $2,080 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities.
The example below illustrates how geographic area affects car insurance rates.
The examples above show why everyone should compare rates quotes based on a specific location and risk profile, instead of using 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.
Rate Comparisons
The chart below shows estimated Scion xD insurance rates for different risk profiles and scenarios.
- The best discount rate is $585
- Raising to $1,000 deductibles will save around $74 a year
- The average rate for a good driver age 40 with $500 deductibles is $962
- Using pricier low deductibles will cost an extra $142 every year
- At-risk drivers who are prone to accidents and violations could pay upwards of $2,080 or more
- Policy cost for full coverage for a teen driver for full coverage may cost $3,956
Insurance rates for a Scion xD also range considerably based on your risk profile, the trim level of your xD, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $3,900 a year. View Rates by Age
Your home state also has a big influence on Scion xD insurance prices. A middle-age driver might find rates 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 can reduce rates by up to $220 every year, whereas buying more liability protection will cost you more. Going 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 could be paying at a minimum $1,200 to $1,700 extra every year, depending on your age. Scion xD insurance for high-risk drivers is expensive and can cost as much as 43% to 139% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, 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 More Affordable Scion xD Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and claims, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest the time to compare rates every year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
The points below are a summary of the coverage data presented in the illustrations above.
- Drivers can save as much as $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 under the age of 20 pay the highest rates, costing up to $330 each month for full coverage
- Higher risk drivers who have multiple accidents or major violations will pay on average $1,120 more each year to insure a Scion xD
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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