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 rates for a Scion xD are $962 a year including full coverage. Comprehensive insurance costs approximately $134 a year, collision costs $196, and liability coverage costs $474. A policy with just liability insurance costs as little as $522 a year, with coverage for high-risk drivers costing $2,080 or more. Teenage drivers pay the highest rates at $3,956 a year or more.
Average premium for full coverage: $962
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and xD trim levels.
Price Range from Low to High
For an average driver, Scion xD insurance prices go from as low as $522 for minimum levels of liability insurance to a high of $2,080 for a policy for a high-risk driver.
Geographic Price Range
Your location has a large influence on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.
The diagram below illustrates the effect of geographic area on auto insurance prices.
The ranges above highlight why it is important to compare rates using their specific location and risk profile, rather than 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.
Additional Rate Details
The chart below breaks down estimated Scion xD insurance rates for additional coverage and risk scenarios.
- The best discount rate is $585
- Drivers who choose higher $1,000 deductibles will pay $888 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $962
- Using low $100 deductibles for comprehensive and collision insurance will cost an extra $142 each year
- High-risk insureds who are prone to accidents and violations could pay around $2,080 or more
- The price for full coverage for a teenage driver can cost $3,956 a year
Insurance prices for a Scion xD are also quite variable based on your driving record, the model of your xD, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high deductibles may only pay around $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age
The state you live in makes a big difference in Scion xD insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,370 on average in Louisiana, 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% |
Using high physical damage deductibles could save up to $220 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 139% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Every company uses a different method to calculate prices, so the prices may be quite different 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 the Best Scion xD Insurance
Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to compare rates every year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The points below are a brief recap of the coverage data covered in the above illustrations.
- You may be able to save around $110 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $225 each year
- Drivers under the age of 20 are expensive to insure, possibly costing $330 a month for full coverage
- Drivers who tend to receive serious violations could be forced to pay on average $1,120 more per year to insure a Scion xD
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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