Scion xD Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 10, 2023
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The average insurance prices for a Scion xD are $962 every 12 months for full coverage. Comprehensive insurance costs an estimated $134 each year, collision costs $196, and liability costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance 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 broken down by type of insurance:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and xD models.
Price Range Variability
Using a middle-aged driver as an example, Scion xD insurance rates go from the cheapest price of $522 for the bare minimum liability coverage to a high rate of $2,080 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location can have significant affects on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas.
The graphic below illustrates how where you live affects insurance prices.
The examples above show why all drivers should compare rates for a targeted area and their own driving history, instead of using 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 shows estimated Scion xD insurance rates for other coverage scenarios.
- The lowest rate with discounts is $585
- Drivers who choose higher $1,000 deductibles will pay approximately $74 a year
- The average price for a good driver age 40 who has $500 deductibles is $962
- Choosing low deductibles for comprehensive and collision insurance costs an extra $142 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,080 or more
- Policy cost to insure a teen driver can cost as much as $3,956 a year
Auto insurance rates for a Scion xD also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Choosing high deductibles could save up to $220 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $3,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 139% more than average. View High Risk Driver Rates
Your home state makes a big difference in Scion xD insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,370 on average in New York, Louisiana, and Michigan.
| 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% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, and quoted rates will be varied.
| 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 Low Cost Scion xD Insurance
Finding cheaper rates on car insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop at least once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.
The following list is a review of the primary concepts that were touched on in the above illustrations.
- Drivers can save approximately $110 per year simply by quoting online in advance
- Higher risk drivers who have several accidents or serious violations pay on average $1,120 more annually than a safer driver
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- Drivers age 16 to 20 are the costliest to insure, costing up to $330 each month if comprehensive and collision insurance is included
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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