Scion xD Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Jun 10, 2023
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Average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive costs around $134, collision costs $196, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,080. Teen drivers receive the highest rates at $3,956 a year or more.
Average premium for full coverage: $962
Rate estimates for individual coverage type:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all xD models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $522 for just liability coverage to the much higher price of $2,080 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than larger metro areas.
The example below illustrates how geographic area affects auto insurance rates.
These examples demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of making a decision based 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.
Detailed Rate Analysis
The chart below details estimated Scion xD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $585
- Raising to $1,000 deductibles will save about $74 annually
- The average rate for a 40-year-old driver using $500 deductibles is $962
- Choosing pricier low deductibles will increase the cost to $1,104
- Drivers with multiple violations and an at-fault accident could pay at least $2,080 or more
- The cost for full coverage for a 16-year-old driver for full coverage can be $3,956
Insurance rates for a Scion xD can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $3,900 a year. View Rates by Age
Where you live also has a big influence on Scion xD insurance prices. A middle-age driver might find rates as low as $690 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,300 on average in Florida, Michigan, and New York.
| 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% |

Choosing high deductibles can reduce rates by up to $220 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,200 to $1,700 extra per year, depending on your age. Scion xD insurance for high-risk drivers is expensive and can cost from 43% to 139% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out your exact price is to regularly compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so the rates can be significantly 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 Cheap Scion xD Insurance
Saving money on insurance for a Scion xD consists of being a good driver, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates once a year by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following list is a quick review of the data that was presented in the illustrations above.
- You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
- Insureds who may need an increased level of liability coverage will pay about $520 every year to raise from a minimum limit to 250/500 limits
- Drivers age 16 to 20 pay higher rates, with premiums as much as $330 per month for full coverage
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,120 more every year than a safer driver
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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