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 around $134, collision costs $196, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,080 or more. Teens cost the most to insure at $3,956 a year or more.
Average premium for full coverage: $962
Policy rates for type of insurance:
These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all xD models.
Price Range Variability
For a 40-year-old driver, Scion xD insurance rates go from the cheapest price of $522 for a discount liability-only rate to the much higher price of $2,080 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion.
The example below illustrates how your location can change auto insurance rates.
The examples above show why everyone should compare rates quotes for a specific zip code and their own driving history, rather than 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.
Rates by State, City, and Model
The chart below shows estimated Scion xD insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $585
- Raising to $1,000 deductibles will save about $74 a year
- The average price for a good driver age 40 using $500 deductibles is $962
- Selecting pricier low deductibles costs an extra $142 each year
- Unlucky drivers with serious driving violations could pay at least $2,080 or more
- Policy cost to insure a teenage driver for full coverage can be $3,956
Auto insurance rates for a Scion xD also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $220 a year, whereas buying more liability protection will increase rates. 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
A more mature driver with a good driving record and higher deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $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 at least $1,200 to $1,700 in extra premium every year, depending on your age. Scion xD insurance for high-risk drivers is expensive and can cost around 43% to 139% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Scion xD insurance rates. A middle-age driver might find rates as low as $640 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,370 on average in Michigan, Louisiana, 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% |
Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, 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 Cheap Scion xD Insurance
Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every other policy renewal by requesting quotes from direct carriers, and also from local exclusive and independent agents.
The following is a brief summary of the ideas that were illustrated above.
- Teens are expensive to insure, costing up to $330 each month if comprehensive and collision insurance is included
- Drivers that tend to have accidents or serious violations may pay on average $1,120 more every year for xD insurance
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- Drivers can save up to $110 per year simply by quoting online well ahead of the renewal date
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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