Scion xD Insurance Rates
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Michelle Robbins
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UPDATED: Jun 10, 2023
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U.S. average insurance prices for a Scion xD are $962 every 12 months for full coverage insurance. Comprehensive costs an estimated $134, collision insurance costs $196, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs around $2,080. 16-year-old drivers pay the highest rates at up to $3,956 a year.
Average premium for full coverage: $962
Price estimates broken down by individual coverage:
Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all xD models.
Price Range from Low to High
For the average 40-year-old driver, Scion xD insurance prices range from the cheapest price of $522 for a discount liability-only rate to the much higher price of $2,080 for high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. More rural locations have more infrequent physical damage claims than congested cities. The example below illustrates the difference location can make on insurance prices.
The ranges above illustrate why everyone should get quotes for a targeted area and their own driving history, instead of using rate 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.
Rates by State, City, and Model
The chart below illustrates average Scion xD insurance rates for other coverage scenarios.
- The best full coverage rate is $585
- Choosing higher $1,000 deductibles can save approximately $74 each year
- The average price for the average middle-age driver who has $500 deductibles is $962
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,104
- Unlucky drivers with multiple tickets or accidents could pay up to $2,080
- The price to insure a teen driver for full coverage can cost as much as $3,956 each year
Insurance prices for a Scion xD are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $220 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,200 to $1,700 extra each year, depending on your age. Scion xD insurance for high-risk drivers ranges as much as 43% to 139% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Scion xD insurance prices. A good driver about age 40 could pay as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,300 on average in Florida, New York, 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% |
| 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 Affordable Scion xD Insurance
Getting lower rates on car insurance takes being a low-risk driver, having good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a brief review of the material that was touched on in this article.
- Policyholders who want more liability coverage will pay around $520 annually to raise limits from a low limit to a 250/500 level
- Teen drivers are charged the highest prices, as much as $330 a month if they have full coverage
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,120 more annually to insure their xD
- Increasing physical damage deductibles could save as much as $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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