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...

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UPDATED: Jun 10, 2023

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U.S. average auto insurance rates for a Scion xD are $936 annually for full coverage insurance. Comprehensive costs an estimated $126, collision costs $178, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,022. Teenage drivers pay the highest rates at $3,872 a year or more.

Average premium for full coverage: $936

Price estimates broken down by individual coverage:

Comprehensive $126
Collision $178
Liability $474

Includes $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different xD trim levels.

Price Range from Low to High

For a driver around age 40, Scion xD insurance prices go from as cheap as $522 for just liability insurance to a much higher rate of $2,022 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $936
High Risk $2,022

Geographic Price Range

Your location has a significant impact on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities.

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

Rural Areas $702
Small Cities $983
Large Cities $1,264

The ranges above illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on 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 estimated Scion xD insurance rates for other coverage scenarios.

  • The best discount rate is $573
  • Drivers who choose higher $1,000 deductibles will pay approximately $68 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $936
  • Using more expensive low deductibles for comprehensive and collision insurance will cost $1,068
  • High risk drivers who are prone to accidents and violations could pay up to $2,022 or more
  • The price with full coverage for a teen driver with full coverage can cost as much as $3,872 a year

View Chart as Image

Scion xD insurance cost comparison chart
Column chart showing full coverage Scion xD insurance rates range from $573 to $3,872

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

An older driver with a good driving record and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,100 to $1,600 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 41% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $200 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Scion xD insurance rates. A 40-year-old driver could pay as low as $610 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,270 on average in Florida, New York, and Michigan.

Scion xD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $848 -$88 -9.4%
Alaska $716 -$220 -23.5%
Arizona $776 -$160 -17.1%
Arkansas $936 -$0 0.0%
California $1,068 $132 14.1%
Colorado $894 -$42 -4.5%
Connecticut $964 $28 3.0%
Delaware $1,060 $124 13.2%
Florida $1,170 $234 25.0%
Georgia $862 -$74 -7.9%
Hawaii $672 -$264 -28.2%
Idaho $632 -$304 -32.5%
Illinois $696 -$240 -25.6%
Indiana $702 -$234 -25.0%
Iowa $630 -$306 -32.7%
Kansas $892 -$44 -4.7%
Kentucky $1,278 $342 36.5%
Louisiana $1,384 $448 47.9%
Maine $578 -$358 -38.2%
Maryland $772 -$164 -17.5%
Massachusetts $748 -$188 -20.1%
Michigan $1,626 $690 73.7%
Minnesota $784 -$152 -16.2%
Mississippi $1,120 $184 19.7%
Missouri $830 -$106 -11.3%
Montana $1,004 $68 7.3%
Nebraska $736 -$200 -21.4%
Nevada $1,122 $186 19.9%
New Hampshire $672 -$264 -28.2%
New Jersey $1,046 $110 11.8%
New Mexico $830 -$106 -11.3%
New York $986 $50 5.3%
North Carolina $538 -$398 -42.5%
North Dakota $766 -$170 -18.2%
Ohio $646 -$290 -31.0%
Oklahoma $960 $24 2.6%
Oregon $858 -$78 -8.3%
Pennsylvania $894 -$42 -4.5%
Rhode Island $1,248 $312 33.3%
South Carolina $848 -$88 -9.4%
South Dakota $790 -$146 -15.6%
Tennessee $820 -$116 -12.4%
Texas $1,128 $192 20.5%
Utah $692 -$244 -26.1%
Vermont $642 -$294 -31.4%
Virginia $560 -$376 -40.2%
Washington $724 -$212 -22.6%
West Virginia $858 -$78 -8.3%
Wisconsin $648 -$288 -30.8%
Wyoming $834 -$102 -10.9%

View Chart as Image

Scion xD insurance rates by U.S. city

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices may be quite different between companies.

Scion xD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Scion xD $148 $236 $474 $1,016
2009 Scion xD $126 $178 $474 $936

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 the Cheapest Scion xD Insurance

Getting lower rates on Scion xD insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a recap of the data that was covered above.

  • It is possible to save approximately $100 per year simply by shopping early and online
  • Drivers who want higher liability limits will pay an extra $520 annually to go from a low limit to higher 250/500 limits
  • Teens are the costliest to insure, as much as $323 a month if full coverage is included
  • High-risk drivers that have major violations or accidents may pay on average $1,090 more annually for xD insurance

Rates by Driver Age

Scion xD Insurance Rates by Driver Age
Driver Age Premium
16 $3,872
20 $2,156
30 $946
40 $936
50 $860
60 $842

Full coverage, $500 deductibles

Rates by Deductible

Scion xD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,068
$250 $1,008
$500 $936
$1,000 $868

Full coverage, driver age 40

Rates by Liability Limit

Scion xD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $936
50/100 $1,031
100/300 $1,149
250/500 $1,457
100 CSL $1,078
300 CSL $1,339
500 CSL $1,529

Full coverage, driver age 40

Rates for High Risk Drivers

Scion xD Insurance Rates for High Risk Drivers
Age Premium
16 $5,444
20 $3,440
30 $2,030
40 $2,022
50 $1,936
60 $1,916

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 $126

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $47
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $55
5-yr Claim Free $58
Paid in Full/EFT $32
Advance Quote $40
Online Quote $62
Total Discounts $363
Rate after discounts $573

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

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