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...
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UPDATED: Jun 10, 2023
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Average insurance prices for a Scion xD are $962 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $134 each year, collision costs $196, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,080 or more. Teenage drivers receive the highest rates at $3,956 a year or more.
Average premium for full coverage: $962
Rate estimates broken down by individual coverage type:
Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and xD models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $522 for the bare minimum liability coverage to a high rate of $2,080 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than densely populated cities.
The graphic below illustrates the difference location can make on insurance prices.
These examples illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, rather than 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.
Additional Rate Information
The chart below illustrates estimated Scion xD insurance rates for other coverage scenarios.
- The best discount rate is $585
- Raising to $1,000 deductibles will save approximately $74 each year
- The average price for a 40-year-old driver who has $500 deductibles is $962
- Using low deductibles costs an extra $142 each year
- Unlucky drivers who are prone to accidents and violations could pay up to $2,080 or more
- The cost to insure a teenage driver can cost as much as $3,956
Auto insurance rates for a Scion xD can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Using high physical damage deductibles can reduce rates by up to $220 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $3,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,200 to $1,700 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 139% more than a normal policy. View High Risk Driver Rates
Where you live also has a big influence on Scion xD insurance rates. A middle-age driver might find rates as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different.
| 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
Saving money on auto insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a quick review of the coverage data touched on in this article.
- It is possible to save approximately $110 per year simply by quoting online in advance
- Increasing deductibles could save as much as $225 each year
- Drivers under the age of 20 are the costliest to insure, costing up to $330 per month if comprehensive and collision insurance is included
- Drivers with a DUI or reckless driving violation could be forced to pay on average $1,120 more annually 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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