Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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Estimated insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive insurance costs around $134, collision insurance costs $196, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,080 or more. Teens pay the most at up to $3,956 a year.
Average premium for full coverage: $962
Premium estimates for type of coverage:
Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different xD trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Scion xD range from as low as $522 for a discount liability-only rate to a much higher rate of $2,080 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based 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.
Rates by State, City, and Model
The chart below details average Scion xD insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $585
- Using higher $1,000 deductibles will save about $74 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $962
- Selecting more expensive low deductibles for physical damage coverage will cost an extra $142 annually
- High-risk insureds with serious driving violations could pay at least $2,080
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $3,956 or more
Insurance prices for a Scion xD also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $3,900 a year. View Rates by Age
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 $690 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,300 on average in Florida, Michigan, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $220 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,200 to $1,700 additional annually, depending on your age. High-risk driver insurance can be from 43% to 139% more than the average policy. View High Risk Driver Rates
| 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 Find the Best Scion xD Insurance
Finding better rates on insurance for a Scion xD requires being a low-risk driver, having a good credit history, being claim-free, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a brief recap of the ideas that were touched on above.
- Teen drivers are charged the highest prices, possibly costing $330 per month including comprehensive and collision insurance
- Drivers considered higher risk who tend to receive serious violations pay an average of $1,120 more every year to insure their xD
- Increasing policy deductibles can save around $225 each year
- You may be able to save up to $110 per year just by shopping early and online
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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