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 auto insurance rates for a Scion xD are $994 annually for full coverage. Comprehensive insurance costs on average $144 each year, collision costs $214, and liability costs around $478. A policy with just liability insurance costs as low as $526 a year, with coverage for high-risk drivers costing $2,150 or more. Teen drivers pay the highest rates at $4,062 a year or more.
Average premium for full coverage: $994
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and xD models.
Price Range from Low to High
For an average driver, Scion xD insurance prices go from as cheap as $526 for the bare minimum liability coverage to a high rate of $2,150 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural areas have fewer accident claims than larger metro areas.
The graphic below illustrates the effect of geographic area on car insurance rates.
The ranges above show why all drivers should compare prices based on a specific location and their own personal driving habits, 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.
Additional Rate Information
The chart below shows estimated Scion xD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $600
- Using higher $1,000 deductibles will save around $82 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $994
- Choosing low deductibles for physical damage coverage costs an additional $156 annually
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,150 or more
- The price with full coverage for a 16-year-old driver may cost $4,062 or more
Insurance prices for a Scion xD are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $900 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers can be from 42% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $240 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit
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 $660 a year in states like Idaho, Maine, and Iowa, or as much as $1,420 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $900 | -$94 | -9.5% |
| Alaska | $762 | -$232 | -23.3% |
| Arizona | $824 | -$170 | -17.1% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,132 | $138 | 13.9% |
| Colorado | $948 | -$46 | -4.6% |
| Connecticut | $1,022 | $28 | 2.8% |
| Delaware | $1,124 | $130 | 13.1% |
| Florida | $1,244 | $250 | 25.2% |
| Georgia | $916 | -$78 | -7.8% |
| Hawaii | $712 | -$282 | -28.4% |
| Idaho | $674 | -$320 | -32.2% |
| Illinois | $740 | -$254 | -25.6% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $946 | -$48 | -4.8% |
| Kentucky | $1,356 | $362 | 36.4% |
| Louisiana | $1,470 | $476 | 47.9% |
| Maine | $612 | -$382 | -38.4% |
| Maryland | $820 | -$174 | -17.5% |
| Massachusetts | $796 | -$198 | -19.9% |
| Michigan | $1,726 | $732 | 73.6% |
| Minnesota | $832 | -$162 | -16.3% |
| Mississippi | $1,192 | $198 | 19.9% |
| Missouri | $882 | -$112 | -11.3% |
| Montana | $1,068 | $74 | 7.4% |
| Nebraska | $784 | -$210 | -21.1% |
| Nevada | $1,192 | $198 | 19.9% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,112 | $118 | 11.9% |
| New Mexico | $878 | -$116 | -11.7% |
| New York | $1,046 | $52 | 5.2% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $686 | -$308 | -31.0% |
| Oklahoma | $1,020 | $26 | 2.6% |
| Oregon | $910 | -$84 | -8.5% |
| Pennsylvania | $948 | -$46 | -4.6% |
| Rhode Island | $1,326 | $332 | 33.4% |
| South Carolina | $900 | -$94 | -9.5% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $872 | -$122 | -12.3% |
| Texas | $1,198 | $204 | 20.5% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $680 | -$314 | -31.6% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $768 | -$226 | -22.7% |
| West Virginia | $910 | -$84 | -8.5% |
| Wisconsin | $688 | -$306 | -30.8% |
| Wyoming | $888 | -$106 | -10.7% |
Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, so the prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Scion xD | $144 | $214 | $478 | $994 |
| 2009 Scion xD | $122 | $160 | $468 | $908 |
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
Getting lower rates on insurance for a Scion xD requires having a decent driving record, having a good credit history, eliminating unnecessary coverage, and bundling your home and auto policies. Take the time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following items are a brief review of the concepts that were covered in the above illustrations.
- Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,160 more each year than a driver with a clean driving record
- 16 to 18-year-old drivers pay the highest prices, with premiums as much as $339 a month including comprehensive and collision insurance
- Drivers can save as much as $110 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $250 each year
- Drivers can save as much as $110 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,062 |
| 20 | $2,290 |
| 30 | $1,010 |
| 40 | $994 |
| 50 | $914 |
| 60 | $894 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,150 |
| $250 | $1,078 |
| $500 | $994 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,090 |
| 100/300 | $1,209 |
| 250/500 | $1,520 |
| 100 CSL | $1,137 |
| 300 CSL | $1,400 |
| 500 CSL | $1,592 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,722 |
| 20 | $3,656 |
| 30 | $2,166 |
| 40 | $2,150 |
| 50 | $2,060 |
| 60 | $2,038 |
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 | $50 |
| Multi-vehicle | $55 |
| Homeowner | $18 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $36 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $394 |
Discounts are estimated and may not be available from every company or in every state.
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