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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Estimated auto insurance rates for a Scion xD are $962 annually for full coverage insurance. Comprehensive insurance costs on average $134, collision costs $196, and liability insurance costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing $2,080 or more. Teens pay the most at $3,956 a year or more.
Average premium for full coverage: $962
Premium estimates by type of coverage:
Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all xD models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Scion xD go from as cheap as $522 for liability-only coverage to the much higher price of $2,080 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than cities with more traffic congestion.
The example below illustrates how location helps determine car insurance rates.
These rate differences illustrate why everyone should compare rates based on a specific location and their own personal driving habits, rather than relying 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.
Additional Charts and Tables
The chart below illustrates 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 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $962
- Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $142 a year
- High risk drivers with serious driving violations could pay upwards of $2,080 or more
- An auto insurance policy with full coverage for a teen driver for full coverage may cost $3,956 a year
Insurance prices for a Scion xD also have a wide range based on the model of your xD, your risk profile, and policy deductibles and limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $3,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 additional annually, depending on your age. Scion xD insurance for high-risk drivers can cost anywhere from 43% to 139% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $220 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Scion xD insurance rates. A 40-year-old driver could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,300 on average in Michigan, New York, and Florida.
| 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 such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Every company calculates prices differently, and prices will be substantially different between companies.
| 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 Buy Low Cost Scion xD Insurance
Finding better rates on Scion xD insurance not only requires having a good driving record, but also having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates every other policy renewal by getting quotes from direct insurance companies, and also from local exclusive and independent agents.
The next list is a review of the ideas that were covered in the charts and tables above.
- Drivers age 20 and younger pay higher prices, with premiums being up to $330 per month if they have full coverage
- High-risk drivers who have several accidents or serious violations may pay on average $1,120 more each year to buy Scion xD insurance
- Increasing policy deductibles could save up to $225 each year
- It is possible to save as much as $110 per year simply by quoting online well ahead of the renewal date
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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