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 with full coverage. Comprehensive costs around $134, collision insurance costs $196, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,080. 16-year-old drivers receive the highest rates at up to $3,956 a year.
Average premium for full coverage: $962
Rate estimates for individual coverage type:
Includes $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP 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 range from as cheap as $522 for liability-only 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 have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities. 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 their own personal driving habits, 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.
Additional Charts and Tables
The chart below details average Scion xD insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $585
- Raising to $1,000 deductibles will save about $74 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $962
- Buying pricier low deductibles will cost $1,104
- At-risk drivers with multiple tickets or accidents could pay at least $2,080
- The cost with full coverage for a teen driver for full coverage can be $3,956
Car insurance rates for a Scion xD can also vary considerably based on the trim level of your xD, your driving record, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few 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 as much as 43% to 139% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $220 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
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 at least $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% |
| 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 the Cheapest Scion xD Insurance
Saving money on car insurance consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a recap of the data that was presented in the illustrations above.
- You may be able to save up to $110 per year just by quoting online well ahead of the renewal date
- Policyholders who may need higher levels of liability will pay around $520 every year to raise from a minimum limit to higher 250/500 limits
- Teenage drivers are the costliest to insure, with premiums as much as $330 per month if comprehensive and collision insurance is included
- Higher risk drivers that have major violations or accidents may pay on average $1,120 more every year 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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