Scion xD Insurance Rates
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UPDATED: Jun 10, 2023
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Estimated insurance rates for a Scion xD are $994 a year with full coverage. Comprehensive costs approximately $144, collision costs $214, and liability insurance costs $478. A policy with only liability insurance costs as little as $526 a year, with a high-risk policy costing around $2,150. Teens pay the most at $4,062 a year or more.
Average premium for full coverage: $994
Premium estimates by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all xD models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Scion xD go from as low as $526 for just liability insurance to the much higher price of $2,150 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.
The example below illustrates how geographic area affects auto insurance prices.
These rate differences demonstrate why everyone should compare rates using their specific location and risk profile, rather than relying on averaged prices.
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 details estimated Scion xD insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $600
- Drivers who choose higher $1,000 deductibles will pay $82 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $994
- Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,150
- High risk drivers with serious driving violations could pay around $2,150 or more
- An auto insurance policy for full coverage for a teen driver for full coverage can cost $4,062 a year
Car insurance prices for a Scion xD also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $4,000 a year. View Rates by Age
Where you choose to live makes a big difference in Scion xD insurance rates. A 40-year-old driver could pay as low as $720 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,340 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $240 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,700 extra annually, depending on your age. Scion xD insurance for high-risk drivers can cost anywhere from 42% to 134% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from as many companies as possible. Every company calculates prices differently, so rate quotes will be substantially different from one company to the next.
| 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 Find the Best Cheap Scion xD Insurance
Finding better rates on Scion xD insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and avoiding coverage lapses. Invest the time to compare rates at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a quick review of the car insurance concepts presented in the illustrations above.
- High-risk drivers with a DUI or reckless driving violation pay on average $1,160 more per year for car insurance
- You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $250 each year
- Drivers who purchase higher liability limits will pay approximately $530 every year to go from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,150 |
| $250 | $1,078 |
| $500 | $994 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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