Scion xD Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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Average auto insurance rates for a Scion xD are $994 annually for full coverage. Comprehensive insurance costs approximately $144, collision costs $214, and liability costs around $478. A policy with just liability insurance costs as low as $526 a year, with coverage for high-risk drivers costing $2,150 or more. Teenage drivers receive the highest rates at $4,062 a year or more.
Average premium for full coverage: $994
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all xD models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $526 for minimum levels of liability insurance to the much higher price of $2,150 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live can have significant affects on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities.
The example below illustrates how location impacts auto insurance prices.
These examples show why everyone should compare prices using their specific location and their own personal driving habits, 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.
Additional Rate Details
The chart below shows estimated Scion xD insurance rates for additional coverage and risk scenarios.
- The best discount rate is $600
- Using higher $1,000 deductibles will save $82 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $994
- Using pricier low deductibles for physical damage coverage costs an additional $156 every year
- Drivers who are prone to accidents and violations could pay around $2,150 or more
- The cost with full coverage for a teen driver for full coverage can cost $4,062 or more
Insurance rates for a Scion xD can also vary considerably based on the trim level of your xD, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,200 to $1,700 additional per year, depending on your age. Scion xD insurance for high-risk drivers can be as much as 42% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $240 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Scion xD insurance prices. A driver around age 40 might see rates as low as $660 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,420 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $900 | -$94 | -9.5% |
| Alaska | $762 | -$232 | -23.3% |
| Arizona | $824 | -$170 | -17.1% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,132 | $138 | 13.9% |
| Colorado | $948 | -$46 | -4.6% |
| Connecticut | $1,022 | $28 | 2.8% |
| Delaware | $1,124 | $130 | 13.1% |
| Florida | $1,244 | $250 | 25.2% |
| Georgia | $916 | -$78 | -7.8% |
| Hawaii | $712 | -$282 | -28.4% |
| Idaho | $674 | -$320 | -32.2% |
| Illinois | $740 | -$254 | -25.6% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $946 | -$48 | -4.8% |
| Kentucky | $1,356 | $362 | 36.4% |
| Louisiana | $1,470 | $476 | 47.9% |
| Maine | $612 | -$382 | -38.4% |
| Maryland | $820 | -$174 | -17.5% |
| Massachusetts | $796 | -$198 | -19.9% |
| Michigan | $1,726 | $732 | 73.6% |
| Minnesota | $832 | -$162 | -16.3% |
| Mississippi | $1,192 | $198 | 19.9% |
| Missouri | $882 | -$112 | -11.3% |
| Montana | $1,068 | $74 | 7.4% |
| Nebraska | $784 | -$210 | -21.1% |
| Nevada | $1,192 | $198 | 19.9% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,112 | $118 | 11.9% |
| New Mexico | $878 | -$116 | -11.7% |
| New York | $1,046 | $52 | 5.2% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $686 | -$308 | -31.0% |
| Oklahoma | $1,020 | $26 | 2.6% |
| Oregon | $910 | -$84 | -8.5% |
| Pennsylvania | $948 | -$46 | -4.6% |
| Rhode Island | $1,326 | $332 | 33.4% |
| South Carolina | $900 | -$94 | -9.5% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $872 | -$122 | -12.3% |
| Texas | $1,198 | $204 | 20.5% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $680 | -$314 | -31.6% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $768 | -$226 | -22.7% |
| West Virginia | $910 | -$84 | -8.5% |
| Wisconsin | $688 | -$306 | -30.8% |
| Wyoming | $888 | -$106 | -10.7% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Scion xD | $144 | $214 | $478 | $994 |
| 2009 Scion xD | $122 | $160 | $468 | $908 |
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 Affordable Scion xD Insurance
Saving money on car insurance requires avoiding accidents and claims, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The points below are a brief review of the ideas that were touched on above.
- Drivers under the age of 20 are the costliest to insure, costing as high as $339 per month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,160 more per year to insure a Scion xD
- Increasing deductibles could save up to $250 each year
- Drivers can save around $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 | $4,062 |
| 20 | $2,290 |
| 30 | $1,010 |
| 40 | $994 |
| 50 | $914 |
| 60 | $894 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,150 |
| $250 | $1,078 |
| $500 | $994 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,090 |
| 100/300 | $1,209 |
| 250/500 | $1,520 |
| 100 CSL | $1,137 |
| 300 CSL | $1,400 |
| 500 CSL | $1,592 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,722 |
| 20 | $3,656 |
| 30 | $2,166 |
| 40 | $2,150 |
| 50 | $2,060 |
| 60 | $2,038 |
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 | $50 |
| Multi-vehicle | $55 |
| Homeowner | $18 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $36 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $394 |
Discounts are estimated and may not be available from every company or in every state.
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