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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U.S. average insurance prices for a Scion xD are $962 every 12 months including full coverage. Comprehensive costs on average $134, collision insurance costs $196, and liability is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs around $2,080. Teens pay the highest rates at up to $3,956 a year.
Average premium for full coverage: $962
Price estimates by individual coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all xD models.
Price Range from Low to High
Using a middle-aged driver as an example, Scion xD insurance prices range from the cheapest price of $522 for basic liability insurance to the much higher price of $2,080 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how where you live affects car insurance rates.
The ranges above highlight why everyone should compare rates quotes based on a specific location and their own driving history, instead of 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.
Rate Comparisons
The chart below breaks down average Scion xD insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $585
- Raising to $1,000 deductibles will save around $74 every year
- The average price for the average middle-age driver with $500 deductibles is $962
- Selecting pricier low deductibles increases the price to $1,104
- At-risk drivers with serious driving violations could pay upwards of $2,080
- The price to insure a teen driver for full coverage may cost $3,956
Insurance prices for a Scion xD are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your xD.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $220 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,200 to $1,700 extra each 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 the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Scion xD insurance prices. A middle-age driver might find prices as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,370 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Right Scion xD Insurance
Getting lower rates on car insurance consists of being safe and accident-free, having good credit, being claim-free, and determing if full coverage is necessary. Take the time to comparison shop every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a quick rundown of the information touched on in the above illustrations.
- You may be able to save as much as $110 per year just by quoting online well ahead of the renewal date
- Youthful drivers pay the highest prices, possibly costing $330 a month if they have full coverage
- Increasing physical damage deductibles could save as much as $225 each year
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,120 more each year than a low-risk driver
- Policyholders who require more liability protection will pay approximately $520 per year to raise from a low limit to a 250/500 level
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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