Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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Average auto insurance rates for a Scion xD are $994 annually for full coverage. Comprehensive insurance costs around $144, collision insurance costs $214, and liability coverage is $478. A policy with just liability insurance costs around $526 a year, and coverage for high-risk drivers costs $2,150 or more. 16-year-old drivers receive the highest rates at up to $4,062 a year.
Average premium for full coverage: $994
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different xD trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $526 for just the minimum liability insurance to a much higher rate of $2,150 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 auto insurance rates. Areas with sparse population tend to have fewer accident claims than congested cities. The price range example below illustrates the difference location can make on auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than 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 Rate Analysis
The chart below shows average Scion xD insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $600
- Raising to $1,000 deductibles will save about $82 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $994
- Buying more expensive low deductibles costs an additional $156 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,150
- The cost with full coverage for a teenage driver with full coverage can be $4,062
Insurance rates for a Scion xD can also vary considerably based on the trim level of your xD, your driver profile, and deductibles and policy limits.
An older driver with no violations or accidents 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 should be prepared to pay as much as $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,200 to $1,700 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $240 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more each 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 $660 a year in states like Idaho, Maine, and Iowa, or at least $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% |
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 Cheaper Scion xD Insurance
Saving money on auto insurance consists of being a good driver, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Make time to compare rates once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following list is a condensed summary of the data that was touched on in this article.
- Drivers can save up to $110 per year just by shopping early and online
- Consumers who may need an increased level of liability coverage will pay around $530 each year to raise from a minimum limit to higher 250/500 limits
- Drivers age 16 to 20 are charged the highest rates, costing as high as $339 per month if they have full coverage
- Drivers with multiple at-fault accidents pay an average of $1,160 more every year than a safer driver
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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