Scion xD Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $144
Collision $214
Liability $478

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.

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

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.

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

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

View Chart as Image

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

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.

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
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 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

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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