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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The average insurance rates for a Scion xD are $962 a year with full coverage. Comprehensive costs approximately $134, collision costs $196, and liability coverage costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,080. 16-year-old drivers cost the most to insure at $3,956 a year or more.

Average premium for full coverage: $962

Policy rates by type of insurance:

Comprehensive $134
Collision $196
Liability $474

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all xD models.

Price Range Variability

For a driver around age 40, Scion xD insurance rates go from as low as $522 for just the minimum liability insurance to the much higher price of $2,080 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $962
High Risk $2,080

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $722
Small Cities $1,010
Large Cities $1,299

The examples above demonstrate why everyone should compare rates using their specific location and risk profile, 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 details estimated Scion xD insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $585
  • Drivers who choose higher $1,000 deductibles will pay $74 annually
  • The average rate for a good driver age 40 who chooses $500 deductibles is $962
  • Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,104
  • High-risk insureds with multiple tickets or accidents could pay around $2,080 or more
  • Policy cost for full coverage for a teenage driver for full coverage can cost $3,956 a year

View Chart as Image

Scion xD insurance cost comparison chart
Column chart showing full coverage Scion xD insurance rates range from $585 to $3,956

Insurance rates for a Scion xD also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state makes a big difference in Scion xD insurance rates. A 40-year-old driver could pay as low as $690 a year in states like Utah, Ohio, and New Hampshire, or at least $1,300 on average in New York, Michigan, and Florida.

Scion xD Insurance Rates by State
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%

View Chart as Image

Scion xD insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $220 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,700 extra every year, depending on your age. Scion xD insurance for high-risk drivers can cost around 43% to 139% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, so the rates will be varied from one company to the next.

Scion xD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Scion xD $158 $254 $474 $1,044
2009 Scion xD $134 $196 $474 $962

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 Cheaper Scion xD Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a condensed summary of the coverage data covered above.

  • You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save around $225 each year
  • Teenagers are expensive to insure, as much as $330 each month for full coverage
  • Drivers with multiple at-fault accidents pay on average $1,120 more per year for car insurance

Rates by Driver Age

Scion xD Insurance 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

Scion xD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,104
$250 $1,040
$500 $962
$1,000 $888

Full coverage, driver age 40

Rates by Liability Limit

Scion xD Insurance Rates with Different Liability Limits
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

Scion xD Insurance 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.

SR-22 Surcharge $131

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
Rate after discounts $585

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

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