Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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The average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive costs around $134 a year, collision costs $196, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,080. 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:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and xD trim levels.
Price Range Variability
For the average driver, Scion xD insurance rates go from as low as $522 for your basic liability-only policy to a high of $2,080 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.
The diagram below illustrates how location impacts auto insurance rates.
The examples above demonstrate why it is important to compare rates 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.
More Rate Information
The chart below details estimated Scion xD insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $585
- Drivers who choose higher $1,000 deductibles will pay about $888 annually
- The average rate for a good driver age 40 using $500 deductibles is $962
- Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,104
- Drivers with serious driving violations could pay at least $2,080 or more
- Policy cost for full coverage for a 16-year-old driver can be $3,956 a year
Insurance rates for a Scion xD also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $3,900 a year. View Rates by Age
Your home state makes a big difference in Scion xD insurance prices. A 40-year-old driver could pay 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 save up to $220 annually, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 139% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to get quotes from multiple companies. Every company calculates rates differently, so the rates will be varied from one company to the next.
| 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 More Affordable Scion xD Insurance
Finding cheaper rates on insurance for a Scion xD not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The list below is a summary of the coverage data touched on above.
- You may be able to save up to $110 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $225 each year
- Teenagers pay higher rates, as much as $330 each month for full coverage
- Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,120 more every year for car insurance
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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