Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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U.S. average insurance prices for a Scion xD are $1,016 every 12 months including full coverage. Comprehensive insurance costs an estimated $148, collision insurance costs $236, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,200 or more. Teenage drivers pay the highest rates at up to $4,134 a year.
Average premium for full coverage: $1,016
Price estimates broken down by individual coverage:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all xD models.
Price Range from Low to High
For a driver around age 40, Scion xD insurance prices range from the cheapest price of $522 for just liability insurance to the much higher price of $2,200 for high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above highlight why everyone should get quotes for a targeted area and their own driving history, 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 breaks down average Scion xD insurance rates for other coverage scenarios.
- The best discount rate is $610
- Choosing higher $1,000 deductibles can save approximately $88 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,016
- Using pricier low deductibles for comp and collision coverage costs an extra $168 a year
- High-risk insureds who are prone to accidents and violations could pay up to $2,200
- The price to insure a teen driver for full coverage can cost as much as $4,134 each year
Auto insurance prices for a Scion xD are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles can save as much as $260 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,200 to $1,700 in extra premium each year, depending on your age. Scion xD insurance for high-risk drivers ranges anywhere from 41% to 131% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Scion xD insurance rates. A good driver about age 40 could pay as low as $780 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,450 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $918 | -$98 | -9.6% |
| Alaska | $778 | -$238 | -23.4% |
| Arizona | $842 | -$174 | -17.1% |
| Arkansas | $1,016 | -$0 | 0.0% |
| California | $1,158 | $142 | 14.0% |
| Colorado | $970 | -$46 | -4.5% |
| Connecticut | $1,044 | $28 | 2.8% |
| Delaware | $1,150 | $134 | 13.2% |
| Florida | $1,272 | $256 | 25.2% |
| Georgia | $936 | -$80 | -7.9% |
| Hawaii | $730 | -$286 | -28.1% |
| Idaho | $686 | -$330 | -32.5% |
| Illinois | $756 | -$260 | -25.6% |
| Indiana | $762 | -$254 | -25.0% |
| Iowa | $686 | -$330 | -32.5% |
| Kansas | $966 | -$50 | -4.9% |
| Kentucky | $1,384 | $368 | 36.2% |
| Louisiana | $1,502 | $486 | 47.8% |
| Maine | $626 | -$390 | -38.4% |
| Maryland | $838 | -$178 | -17.5% |
| Massachusetts | $814 | -$202 | -19.9% |
| Michigan | $1,764 | $748 | 73.6% |
| Minnesota | $850 | -$166 | -16.3% |
| Mississippi | $1,216 | $200 | 19.7% |
| Missouri | $900 | -$116 | -11.4% |
| Montana | $1,090 | $74 | 7.3% |
| Nebraska | $800 | -$216 | -21.3% |
| Nevada | $1,218 | $202 | 19.9% |
| New Hampshire | $730 | -$286 | -28.1% |
| New Jersey | $1,134 | $118 | 11.6% |
| New Mexico | $900 | -$116 | -11.4% |
| New York | $1,068 | $52 | 5.1% |
| North Carolina | $584 | -$432 | -42.5% |
| North Dakota | $832 | -$184 | -18.1% |
| Ohio | $702 | -$314 | -30.9% |
| Oklahoma | $1,044 | $28 | 2.8% |
| Oregon | $928 | -$88 | -8.7% |
| Pennsylvania | $970 | -$46 | -4.5% |
| Rhode Island | $1,354 | $338 | 33.3% |
| South Carolina | $920 | -$96 | -9.4% |
| South Dakota | $858 | -$158 | -15.6% |
| Tennessee | $888 | -$128 | -12.6% |
| Texas | $1,224 | $208 | 20.5% |
| Utah | $752 | -$264 | -26.0% |
| Vermont | $696 | -$320 | -31.5% |
| Virginia | $608 | -$408 | -40.2% |
| Washington | $786 | -$230 | -22.6% |
| West Virginia | $928 | -$88 | -8.7% |
| Wisconsin | $704 | -$312 | -30.7% |
| Wyoming | $906 | -$110 | -10.8% |
| 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 Shop for the Right Scion xD Insurance
Getting lower rates on Scion xD insurance takes avoiding accidents and violations, having a good credit score, being claim-free, and consideration of higher deductibles. Set aside time to compare rates every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a quick rundown of the material that was covered above.
- Drivers who want higher liability limits will pay an extra $520 per year to raise limits from a low limit to a 250/500 level
- Teenagers are the costliest to insure, possibly costing $345 a month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,180 more annually for car insurance
- Increasing physical damage deductibles could save as much as $250 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,134 |
| 20 | $2,346 |
| 30 | $1,034 |
| 40 | $1,016 |
| 50 | $932 |
| 60 | $914 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,184 |
| $250 | $1,108 |
| $500 | $1,016 |
| $1,000 | $928 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,016 |
| 50/100 | $1,111 |
| 100/300 | $1,229 |
| 250/500 | $1,537 |
| 100 CSL | $1,158 |
| 300 CSL | $1,419 |
| 500 CSL | $1,609 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,826 |
| 20 | $3,746 |
| 30 | $2,218 |
| 40 | $2,200 |
| 50 | $2,106 |
| 60 | $2,084 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $51 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $38 |
| Advance Quote | $46 |
| Online Quote | $69 |
| Total Discounts | $406 |
Discounts are estimated and may not be available from every company or in every state.
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