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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Estimated insurance prices for a Scion xD are $962 every 12 months for full coverage. Comprehensive insurance costs approximately $134 a year, collision costs $196, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,080 or more. Teenage drivers pay the most at $3,956 a year or more.
Average premium for full coverage: $962
Premium estimates by type of coverage:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and xD trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Scion xD go from the cheapest price of $522 for liability-only coverage to a high of $2,080 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities.
The diagram below illustrates how your location can change auto insurance prices.
These rate differences show why it is important to compare prices using their specific location and their own driving history, rather than relying on 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 Charts and Tables
The chart below shows estimated Scion xD insurance rates for additional coverage and risk scenarios.
- The best discount rate is $585
- Using higher $1,000 deductibles will save $888 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $962
- Using low $100 deductibles for physical damage coverage costs an extra $142 a year
- Drivers who are prone to accidents and violations could pay around $2,080 or more
- An auto insurance policy to insure a teen driver can cost $3,956 or more
Auto insurance prices for a Scion xD also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your xD.
Using high physical damage deductibles could cut prices by as much as $220 each year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $3,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 139% more than a normal policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Scion xD insurance rates. A driver around age 40 might see prices as low as $640 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,370 on average in New York, Louisiana, 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% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 the Cheapest Scion xD Insurance
Finding better rates on Scion xD insurance requires being a good driver, having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to shop around at every other renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The following list is a recap of the concepts that were illustrated above.
- High-risk drivers that have major violations or accidents may pay on average $1,120 more per year than a safer driver
- Drivers age 16 to 20 have the highest car insurance prices, as much as $330 per month if comprehensive and collision insurance is included
- Drivers can save around $110 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $225 each year
- Drivers can save around $110 per year simply by quoting early and online
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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