Scion xD Insurance Rates

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UPDATED: Jun 10, 2023

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Average insurance rates for a Scion xD are $962 a year including full coverage. Comprehensive insurance costs an estimated $134, collision insurance costs $196, and liability insurance is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,080 or more. Teen drivers receive the highest rates at up to $3,956 a year.

Average premium for full coverage: $962

Rate estimates broken down by individual coverage type:

Comprehensive $134
Collision $196
Liability $474

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different xD trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as low as $522 for just liability insurance to a much higher rate of $2,080 for a driver who has had serious violations or accidents.

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

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates how where you live affects insurance prices.

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

These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, 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.

More Rate Details

The chart below breaks down average Scion xD insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $585
  • Raising to $1,000 deductibles will save approximately $74 every year
  • The average rate for a 40-year-old driver who has $500 deductibles is $962
  • Choosing more expensive low deductibles will cost an extra $142 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,080
  • The cost for full coverage for a teen driver with full coverage can cost as much as $3,956

View Chart as Image

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

Auto insurance rates for a Scion xD can also vary considerably based on your driver profile, the model of your xD, and liability limits and deductibles.

An older driver with a good driving record and high deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $3,900 a year. View Rates by Age

Where you live also has a big influence on Scion xD insurance rates. A middle-age driver might find rates as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,370 on average in Louisiana, 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 increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,200 to $1,700 in extra premium per 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

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 the Best Cheap Scion xD Insurance

Saving money on Scion xD insurance consists of being a good driver, having good credit, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop every other policy renewal by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following list is a quick review of the ideas that were touched on in the above illustrations.

  • Drivers age 16 to 20 are the costliest to insure, as much as $330 per month if they have full coverage
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,120 more annually than a safer driver
  • Increasing deductibles can save around $225 each year
  • You may be able to save approximately $110 per year just by shopping early and online

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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