Scion xD Insurance Rates
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Michelle Robbins
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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 costs around $134, collision insurance costs $196, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,080. Teen drivers pay the most at up to $3,956 a year.
Average premium for full coverage: $962
Premium estimates for type of coverage:
Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all xD models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Scion xD range from as cheap as $522 for the bare minimum liability coverage to the much higher price of $2,080 for high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than larger metro areas. The example below illustrates how location impacts auto insurance rates.
These rate differences illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.
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 average Scion xD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $585
- Using higher $1,000 deductibles will save about $74 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $962
- Choosing pricier low deductibles for physical damage coverage will cost $1,104
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,080
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can be $3,956 or more
Insurance prices for a Scion xD also have a wide range based on the model of your xD, your risk profile, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $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 least $1,200 to $1,700 extra annually, depending on your age. Scion xD insurance for high-risk drivers can be from 43% to 139% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $220 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Scion xD insurance prices. A driver around age 40 might see prices as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $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% |
| 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 Cheaper Scion xD Insurance
Finding better rates on insurance for a Scion xD requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Spend time shopping around every couple of years by getting quotes from direct insurance companies, and also from several local insurance agents.
The following items are a condensed summary of the material that was touched on above.
- Insureds who may need additional liability coverage will pay about $520 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
- 16 to 18-year-old drivers pay higher prices, with premiums being up to $330 per month including comprehensive and collision insurance
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,120 more every year than a driver with a clean driving record
- Increasing policy deductibles could save up to $225 each year
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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