Scion xD Insurance Rates

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UPDATED: Jun 10, 2023

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Estimated insurance rates for a Scion xD are $994 a year for full coverage insurance. Comprehensive costs around $144 each year, collision insurance costs $214, and liability costs $478. A liability-only policy costs as little as $526 a year, and high-risk insurance costs around $2,150. Teenage drivers pay the most at up to $4,062 a year.

Average premium for full coverage: $994

Premium estimates for type of coverage:

Comprehensive $144
Collision $214
Liability $478

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and xD models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Scion xD range from as low as $526 for just liability insurance to a high rate of $2,150 for a high-risk insurance policy.

Liability Only $526
Full Coverage $994
High Risk $2,150

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $746
Small Cities $1,044
Large Cities $1,342

These rate differences illustrate why all drivers should compare rates for a specific zip code and risk profile, instead of using average rates.

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 illustrates average Scion xD insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $600
  • Drivers who choose higher $1,000 deductibles will pay about $82 each year
  • The average rate for a 40-year-old good driver using $500 deductibles is $994
  • Using low deductibles for comprehensive and collision insurance will increase the cost to $1,150
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,150
  • An auto insurance policy for full coverage for a teen driver can be $4,062 a year

View Chart as Image

Scion xD insurance cost comparison chart
Column chart showing Scion xD insurance rates range from $600 to $4,062 for full coverage

Auto insurance prices for a Scion xD also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $4,000 a year. View Rates by Age

Where you choose to live makes a big difference in Scion xD insurance prices. A 40-year-old driver could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,340 on average in Michigan, New York, and Florida.

Scion xD Insurance Rates by State
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%

View Chart as Image

Scion xD insurance rates by U.S. city

Using high physical damage deductibles could save up to $240 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 134% more than a normal policy. View High Risk Driver Rates

Scion xD Insurance Rates by Model Year
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 Find Cheap Scion xD Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief summary of the car insurance concepts covered in the above illustrations.

  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,160 more every year to buy Scion xD insurance
  • It is possible to save up to $110 per year just by quoting online in advance
  • Increasing policy deductibles can save around $250 each year
  • Policyholders who may need increased levels of liability coverage will pay an extra $530 annually to go from 30/60 bodily injury limits to 250/500 limits

Rates by Driver Age

Scion xD Insurance 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

Scion xD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,150
$250 $1,078
$500 $994
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Scion xD Insurance Rates with Different Liability Limits
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

Scion xD Insurance 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.

SR-22 Surcharge $135

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
Rate after discounts $600

Discounts are estimated and may not be available from every company or in every state.

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