Scion xD Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Jun 10, 2023
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U.S. average insurance prices for a Scion xD are $962 every 12 months for full coverage insurance. Comprehensive costs approximately $134 each year, collision costs $196, and liability coverage is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing around $2,080. Teens pay the highest rates at $3,956 a year or more.
Average premium for full coverage: $962
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and xD models.
Price Range from Low to High
For a driver around age 40, Scion xD insurance prices go from the cheapest price of $522 for the bare minimum liability coverage to a high rate of $2,080 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above illustrate why all drivers should compare rates quotes using their specific location 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.
Additional Rate Information
The chart below illustrates estimated Scion xD insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $585
- Raising to $1,000 deductibles will save $74 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $962
- Selecting low deductibles increases the price to $1,104
- Unlucky drivers with serious driving violations could pay around $2,080 or more
- The price to insure a teenage driver can cost $3,956
Insurance prices for a Scion xD are also quite variable based on deductibles and policy limits, your risk profile, and the model of your xD.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $220 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 139% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Scion xD insurance rates. A middle-age driver might find prices as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,300 on average in Florida, New York, 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% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Every auto insurance company calculates prices differently, so the prices may be quite different.
| 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 Cheaper Scion xD Insurance
Getting lower rates on auto insurance consists of being a good driver, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following list is a condensed summary of the material that was covered above.
- Consumers who purchase an increased level of liability coverage will pay approximately $520 annually to raise from a low limit to a 250/500 level
- Drivers age 16 to 20 are expensive to insure, as much as $330 a month if they have full coverage
- Drivers with multiple at-fault accidents may have to pay on average $1,120 more per year than a safer driver
- Increasing physical damage deductibles could save as much as $225 each year
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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