Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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U.S. average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive insurance costs an estimated $134, collision costs $196, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance 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 broken down by individual coverage:
Price estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different xD trim levels.
Price Range from Low to High
For the average 40-year-old driver, Scion xD insurance prices go from as low as $522 for just liability coverage to a much higher rate of $2,080 for high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. More rural locations have a lower frequency of collision claims than densely populated cities.
The price range example below illustrates the difference location can make on insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based 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.
Detailed Rate Analysis
The chart below details estimated Scion xD insurance rates for other coverage scenarios.
- The best discount rate is $585
- Using higher $1,000 deductibles will save approximately $74 annually
- The average rate for the average middle-age driver who has $500 deductibles is $962
- Using more expensive low deductibles for physical damage coverage will cost an extra $142 annually
- High-risk insureds who are prone to accidents and violations could pay up to $2,080 or more
- The price for full coverage for a 16-year-old driver with full coverage can cost as much as $3,956 or more
Insurance prices for a Scion xD are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $3,900 a year. View Rates by Age
The state you live in has a huge impact on Scion xD insurance prices. A driver around age 40 might see prices as low as $690 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,300 on average in New York, Michigan, 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% |
Using high physical damage deductibles could cut prices by as much as $220 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out $1,200 to $1,700 additional each year, depending on your age. High-risk driver insurance can be from 43% to 139% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and 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 Cheaper Scion xD Insurance
Getting lower rates on insurance for a Scion xD requires avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every couple of years by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a condensed summary of the material that was touched on in this article.
- Insureds who want increased liability limits will pay an extra $520 every year to increase from a low limit to 250/500 limits
- Drivers under the age of 20 are expensive to insure, costing up to $330 a month including comprehensive and collision insurance
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,120 more annually to insure a Scion xD
- Increasing physical damage deductibles can save around $225 each year
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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