Scion xD Insurance Rates

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UPDATED: Jun 10, 2023

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The average insurance rates for a Scion xD are $962 a year for full coverage insurance. Comprehensive insurance costs approximately $134, collision costs $196, and liability insurance is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,080 or more. Teen drivers cost the most to insure at $3,956 a year or more.

Average premium for full coverage: $962

Policy rates by type of insurance:

Comprehensive $134
Collision $196
Liability $474

Price estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different xD trim levels.

Price Range Variability

Using a middle-aged driver as an example, Scion xD insurance rates go from the low end price of $522 for just the minimum liability insurance to a much higher rate of $2,080 for high-risk insurance.

Liability Only $522
Full Coverage $962
High Risk $2,080

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance prices.

Rural Areas $722
Small Cities $1,010
Large Cities $1,299

The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location, rather than relying 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 Analysis

The chart below illustrates estimated Scion xD insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $585
  • Raising to $1,000 deductibles will save $74 each year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $962
  • Choosing more expensive low deductibles will cost an additional $142 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,080 or more
  • Policy cost that insures a teen driver with full coverage can cost $3,956

View Chart as Image

Scion xD insurance cost comparison chart
Column chart showing full coverage Scion xD insurance prices range from $585 to $3,956

Insurance rates for a Scion xD also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 139% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state also has a big influence on Scion xD insurance rates. A middle-age driver might find rates as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,300 on average in Florida, New York, and Michigan.

Scion xD Insurance Rates by State
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%

View Chart as Image

Scion xD insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $220 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates will be varied.

Scion xD Insurance Rates by Model Year
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 Cheaper Scion xD Insurance

Finding cheaper rates on Scion xD insurance consists of being a good driver, having above-average credit, being claim-free, and maximizing policy discounts. Shop around every couple of years by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a condensed summary of the material that was touched on in the above illustrations.

  • Drivers who purchase an increased level of liability coverage will pay about $520 annually to raise from a 30/60 limit to the 250/500 level
  • Drivers age 16 to 20 are expensive to insure, possibly costing $330 each month if full coverage is included
  • High-risk drivers with multiple at-fault accidents could be charged and average of $1,120 more per year than a safer driver
  • Increasing comprehensive and collision deductibles can save approximately $225 each year

Rates by Driver Age

Scion xD Insurance 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

Scion xD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,104
$250 $1,040
$500 $962
$1,000 $888

Full coverage, driver age 40

Rates by Liability Limit

Scion xD Insurance Rates with Different Liability Limits
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

Scion xD Insurance 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.

SR-22 Surcharge $131

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
Rate after discounts $585

Discounts are estimated and may not be available from every company or in every state.

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