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 auto insurance rates for a Scion xD are $962 annually for full coverage. Comprehensive insurance costs an estimated $134 a year, collision costs $196, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,080 or more. Teen drivers receive the highest rates at $3,956 a year or more.
Average premium for full coverage: $962
Rate estimates broken down by individual coverage type:
Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and xD trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $522 for just liability insurance to a high of $2,080 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas.
The diagram below illustrates the effect of geographic area on insurance prices.
These examples show why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than using 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.
More Rate Details
The chart below shows estimated Scion xD insurance rates for other coverage scenarios.
- The lowest rate with discounts is $585
- Raising to $1,000 deductibles will save approximately $888 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $962
- Choosing low $100 deductibles costs an additional $142 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,080 or more
- The cost with full coverage for a teenage driver can cost as much as $3,956
Auto insurance rates for a Scion xD can also vary considerably based on the trim level of your xD, your driver profile, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles may only pay around $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,200 to $1,700 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 139% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $220 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Scion xD insurance rates. A middle-age driver might find rates as low as $640 a year in states like Iowa, Maine, and Idaho, or 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 so much variability in rates, the only way to know which company is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.
| 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 Affordable Scion xD Insurance
Saving money on auto insurance consists of being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to compare rates once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a brief review of the data that was covered in the above illustrations.
- Drivers can save approximately $110 per year simply by quoting early and online
- Consumers who want higher levels of liability will pay about $520 each year to raise from a minimum limit to higher 250/500 limits
- Teenage drivers are the costliest to insure, costing as high as $330 per month if full coverage is included
- Drivers with DUI or reckless driving convictions may pay on average $1,120 more annually for auto insurance
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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