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 5, 2023

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U.S. average insurance prices for a Scion xD are $962 every 12 months for full coverage insurance. Comprehensive costs around $134, collision insurance costs $196, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,080. Teen drivers pay the highest rates at up to $3,956 a year.

Average premium for full coverage: $962

Price estimates for individual coverage:

Comprehensive $134
Collision $196
Liability $474

Full coverage includes $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all xD models.

Price Range from Low to High

For the normal driver, Scion xD insurance prices range from the cheapest price of $522 for just the minimum liability insurance to the much higher price of $2,080 for high-risk insurance.

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

Geographic Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.

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

The ranges above illustrate why everyone should compare prices for a specific zip code and their own driving history, instead of making a decision based on price 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 illustrates average Scion xD insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $585
  • Using higher $1,000 deductibles will save about $74 each year
  • The average price for the average middle-age driver using $500 deductibles is $962
  • Choosing pricier low deductibles for physical damage coverage increases the price to $1,104
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,080
  • The price to insure a 16-year-old driver for full coverage can be $3,956 or more

View Chart as Image

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

Insurance prices for a Scion xD are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $220 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $900 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 additional each year, depending on your age. Scion xD insurance for high-risk drivers can be from 43% to 139% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Scion xD insurance prices. A driver around age 40 might see prices as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,300 on average in Michigan, New York, 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
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 Shop for More Affordable Scion xD Insurance

Getting lower rates on insurance for a Scion xD requires having a good driving record, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a summary of the material that was presented in the illustrations above.

  • Insureds who may need increased levels of liability coverage will pay about $520 annually to increase from a low limit to a 250/500 level
  • Drivers age 20 and younger are charged the highest prices, as much as $330 a month if full coverage is included
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,120 more every year to buy Scion xD insurance
  • Increasing physical damage deductibles could save as much as $225 each year

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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