Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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U.S. average auto insurance rates for a Scion xD are $962 annually for full coverage insurance. Comprehensive costs on average $134, collision insurance costs $196, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,080. Teenage drivers pay the highest rates at up to $3,956 a year.
Average premium for full coverage: $962
Price estimates by individual coverage:
These estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different xD trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Scion xD insurance prices range from as cheap as $522 for a discount liability-only rate to a much higher rate of $2,080 for coverage for higher-risk drivers.
Geographic Price Range
Your location can have significant affects on insurance rates. Rural areas have fewer physical damage claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of using average rates.
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 illustrates average Scion xD insurance rates for different risk profiles and scenarios.
- The best discount rate is $585
- Drivers who choose higher $1,000 deductibles will pay around $74 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $962
- Using more expensive low deductibles for comprehensive and collision insurance will cost $1,104
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,080
- The price with full coverage for a teen driver with full coverage may cost $3,956 a year
Insurance prices for a Scion xD are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $3,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 additional each year, depending on your age. High-risk driver insurance can cost as much as 43% to 139% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $220 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Scion xD insurance prices. A 40-year-old driver could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,300 on average in Michigan, New York, and Florida.
| 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% |
| 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 Buy Cheap Scion xD Insurance
Getting lower rates on car insurance not only requires being a good driver, but also having good credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a brief summary of the primary concepts that were touched on in the above illustrations.
- It is possible to save as much as $110 per year just by shopping early and online
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,120 more each year than a safer driver
- Increasing physical damage deductibles could save up to $225 each year
- Drivers age 16 to 20 pay higher prices, as much as $330 a month if they have full coverage
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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