Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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Estimated insurance rates for a Scion xD are $936 a year including full coverage. Comprehensive costs on average $126 a year, collision insurance costs $178, and liability coverage costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs around $2,022. Teens pay the most at up to $3,872 a year.
Average premium for full coverage: $936
Premium estimates by type of coverage:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and xD trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Scion xD range from the low end price of $522 for liability-only coverage to a high of $2,022 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects car insurance rates.
These rate differences highlight why it is important to compare rates based on a specific location, rather than using 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 breaks down average Scion xD insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $573
- Drivers who choose higher $1,000 deductibles will pay around $868 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $936
- Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,068
- High-risk insureds with serious driving violations could pay upwards of $2,022
- An auto insurance policy that insures a teenage driver may cost $3,872 a year
Insurance prices for a Scion xD also have a wide range based on the trim level of your xD, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy can cost around 41% to 131% more than the average policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $3,800 a year. View Rates by Age
Where you choose to live makes a big difference in Scion xD insurance rates. A 40-year-old driver could pay as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,340 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $848 | -$88 | -9.4% |
| Alaska | $716 | -$220 | -23.5% |
| Arizona | $776 | -$160 | -17.1% |
| Arkansas | $936 | -$0 | 0.0% |
| California | $1,068 | $132 | 14.1% |
| Colorado | $894 | -$42 | -4.5% |
| Connecticut | $964 | $28 | 3.0% |
| Delaware | $1,060 | $124 | 13.2% |
| Florida | $1,170 | $234 | 25.0% |
| Georgia | $862 | -$74 | -7.9% |
| Hawaii | $672 | -$264 | -28.2% |
| Idaho | $632 | -$304 | -32.5% |
| Illinois | $696 | -$240 | -25.6% |
| Indiana | $702 | -$234 | -25.0% |
| Iowa | $630 | -$306 | -32.7% |
| Kansas | $892 | -$44 | -4.7% |
| Kentucky | $1,278 | $342 | 36.5% |
| Louisiana | $1,384 | $448 | 47.9% |
| Maine | $578 | -$358 | -38.2% |
| Maryland | $772 | -$164 | -17.5% |
| Massachusetts | $748 | -$188 | -20.1% |
| Michigan | $1,626 | $690 | 73.7% |
| Minnesota | $784 | -$152 | -16.2% |
| Mississippi | $1,120 | $184 | 19.7% |
| Missouri | $830 | -$106 | -11.3% |
| Montana | $1,004 | $68 | 7.3% |
| Nebraska | $736 | -$200 | -21.4% |
| Nevada | $1,122 | $186 | 19.9% |
| New Hampshire | $672 | -$264 | -28.2% |
| New Jersey | $1,046 | $110 | 11.8% |
| New Mexico | $830 | -$106 | -11.3% |
| New York | $986 | $50 | 5.3% |
| North Carolina | $538 | -$398 | -42.5% |
| North Dakota | $766 | -$170 | -18.2% |
| Ohio | $646 | -$290 | -31.0% |
| Oklahoma | $960 | $24 | 2.6% |
| Oregon | $858 | -$78 | -8.3% |
| Pennsylvania | $894 | -$42 | -4.5% |
| Rhode Island | $1,248 | $312 | 33.3% |
| South Carolina | $848 | -$88 | -9.4% |
| South Dakota | $790 | -$146 | -15.6% |
| Tennessee | $820 | -$116 | -12.4% |
| Texas | $1,128 | $192 | 20.5% |
| Utah | $692 | -$244 | -26.1% |
| Vermont | $642 | -$294 | -31.4% |
| Virginia | $560 | -$376 | -40.2% |
| Washington | $724 | -$212 | -22.6% |
| West Virginia | $858 | -$78 | -8.3% |
| Wisconsin | $648 | -$288 | -30.8% |
| Wyoming | $834 | -$102 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $200 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Scion xD | $148 | $236 | $474 | $1,016 |
| 2009 Scion xD | $126 | $178 | $474 | $936 |
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 Right Scion xD Insurance
Finding better rates on auto insurance not only requires being safe and accident-free, but also having a good credit score, refrain from filing small claims, and dropping full coverage on older vehicles. Compare rates at least every other year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.
Below you'll find a quick rundown of the car insurance concepts raised in the charts and tables above.
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,090 more each year than a low-risk driver
- You may be able to save as much as $100 per year just by quoting early and online
- Increasing policy deductibles can save approximately $200 each year
- Consumers who require more liability protection will pay approximately $520 per year to go from 30/60 bodily injury limits to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,872 |
| 20 | $2,156 |
| 30 | $946 |
| 40 | $936 |
| 50 | $860 |
| 60 | $842 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,068 |
| $250 | $1,008 |
| $500 | $936 |
| $1,000 | $868 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $936 |
| 50/100 | $1,031 |
| 100/300 | $1,149 |
| 250/500 | $1,457 |
| 100 CSL | $1,078 |
| 300 CSL | $1,339 |
| 500 CSL | $1,529 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,444 |
| 20 | $3,440 |
| 30 | $2,030 |
| 40 | $2,022 |
| 50 | $1,936 |
| 60 | $1,916 |
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 | $47 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $32 |
| Advance Quote | $40 |
| Online Quote | $62 |
| Total Discounts | $363 |
Discounts are estimated and may not be available from every company or in every state.
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