Toyota Scion XD Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Scion XD costs less than most other cars to insure.

• Full coverage for a Scion XD typically runs around $146 a month, while liability only car insurance premiums run about $74.

• At as little as $38 per month for liability only coverage, Aspire is the lowest insurance carrier for a Scion XD.

Scion XD Overview

The Toyota Scion XD is a great car for all budgets, with base prices starting at just $16,720 for 2014 models.

We sifted through thousands of auto insurance quotes on Compare.com, and we've found that Toyota Scion XD insurance prices are around $124 monthly, on average. How do car insurance rates for the Scion XD compare to prices of other similar cars?

How Much is Car Insurance for a Toyota Scion XD?

You can see in the table above that Toyota Scion XD insurance premiums are more affordable than average. Scion XD drivers can expect to pay about $146 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $74 a month for liability only insurance (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When compared to other models, the Scion XD is slightly more affordable, with rates more than 5% lower than the other vehicle types offered by Toyota. Likewise, coverage for the Scion XD is more affordable when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive premiums than other cars.

Overall, they're just more affordable to insure than the average vehicle, no matter what make, body style, or model they are.

Who has the Cheapest Car Insurance for a Toyota Scion XD?

Browsing for a car insurance policy for your Toyota Scion XD? You might be wondering which company offers the lowest rates. While rates can differ quite dramatically depending on your driver profile, the cheapest average rates for liability only insurance are as little as just $18 monthly from Ohio Mutual. The runner up for most affordable rates is American Family, with auto insurance policies starting as cheap as $28 a month.

Rounding out the list are Aspire, Commonwealth Casualty, and Shelter Mutual. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance carriers use a range of factors and complex formulas to calculate premiums. By checking quotes from a multitude of car insurance companies at once, you can be confident you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Toyota Scion XD?

There are many things that auto insurance carriers reference to determine how much to charge you for a policy -- and every carrier weighs different factors more heavily than others, so there's not a singular company that's the lowest for each Scion XD owner.

The sections below show an array of variables insurance companies use to calculate rates:

Vehicle Age

The Toyota Scion XD has been around for a while -- that means vehicle age can play a role in what you end up paying for auto insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the Scion XD. However, as you can see in the table above, the most expensive Toyota Scion XDs to insure are those that are 11 to 14 years old, while the cheapest models are Scion XDs that are 1 year old or less, on average.

Your Age

How old you are plays a significant role in how much you pay for insurance. In the table above, you'll see that those with more experience pay less for car insurance compared to younger Scion XD drivers. Toyota Scion XD drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group being 45-54 for Scion XD drivers.

Your Gender

Because women are less likely to get into collisions and get tickets, they have a lower chance of filing a claim with insurance. So, insurance carriers will often charge women less than men. Surprisingly, when it comes to Scion XD drivers specifically, men pay around $7 less than women a month for insurance.

Where You Live

You may think it's obvious that things such as how old you are and what vehicle you drive play a role in your auto insurance prices, but you may not realize that where you live is just as important. Car insurance is regulated on a state-by-state basis, so rates can shift quite a bit from state to state.

For example, the average Toyota Scion XD driver from New York pays about $149 per month for liability coverage, while on average, the same Californian owner will pay less than 50% of that price. The chart above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change from state to state.

Toyota Scion XD Car Insurance Discounts

No matter your age, your home state, or your car, it's always in your best interest to take advantage of as many car insurance discounts as possible when shopping around for a policy.

Even though all insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Multi-policy discounts for using the same insurance carrier for both your home and car insurance
• Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than by monthly payments

These are just a few of the discounts car insurance carriers offer, and some of the best ways to save are just by having a good driving history and positive insurance profile.

While you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), there is quite bit in your control. Below are just a few of the factors you can use to your favor in order to save money on insurance:

Your Driving Record

It's no secret that auto insurance companies offer the most affordable prices to drivers with clean records. It makes sense that if you get into an accident or get a ticket for speeding, car insurance rates will go up. But you're probably wondering exactly how much these infractions can cost you.

Looking at the table above, you'll see that accidents will usually cost Scion XD drivers less than tickets, but both will cause a significant increase in rates. Toyota Scion XD drivers with one accident on their record pay an average of $75 each month (up $1 from the $74/mo. overall average), while drivers with a single ticket will pay about $87 monthly. The rates only get higher the more collisions you have or tickets you get.

How Much You Drive

The amount of miles you drive annually plays a big role when it comes to your insurance premiums. Drivers who are on the roads less are more likely to go accident-free, so they'll normally be offered lower prices. In the table above, you can see that Toyota Scion XD owners who drive between 2,500 and 5,000 miles every year pay an average of $63 per month for car insurance, while those who put less than 2,500 miles on their cars pay $78.

But if you drive a limited amount, you might consider learning about usage-based or pay-per-mile auto insurance policies. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Toyota Scion XDs Compare to Other Vehicles?

If you're considering making a Toyota Scion XD your next purchase, you might want to know how it compares to other cars. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.

Review the table below to see how the Toyota Scion XD compares:

Overall, the Toyota Scion XD is a great value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. While the average vehicle price in the U.S. is $39,829, the Scion XD has an MSRP of just $16,720. And since there hasn't been a new Scion XD model on the market in the last few years, used prices will be even more affordable.

Likewise, car insurance premiums are cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Toyota Scion XD is around $22 a month cheaper than average, while liability only coverage is more than $20 cheaper a month.

When it comes to usage, Toyota Scion XD drivers are pretty close to the national average in annual miles driven, with 11,660 miles per year for all vehicles compared to the Scion XD's 12,205 each year.

Toyota Scion XD Car Insurance Costs by Model Year

We've walked through many of the variables that can have an impact on how much the average driver pays for auto insurance. If you're considering buying a new Scion XD, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

For this reason, we've done the heavy lifting and analyzed Toyota Scion XD insurance rates by model year. Simply find the model year you want in the dropdown to see average rates for both full coverage and liability only options. We've included some additional information you might find helpful, too, such as the base MSRP, who offers the cheapest policies, which trim levels are offered for each Scion XD model year.

2014 Toyota Scion XD Car Insurance

You can expect full coverage for a 2014 Scion XD to run about $147 per month, while liability only coverage will average around $58 a month.

Looking for the lowest policy? MetroMile offered liability only coverage for as low as $22 monthly.

Interested in what your auto insurance premium will be? Just enter your ZIP code below to get lots of customized quotes for free.

2013 Toyota Scion XD Car Insurance

It costs about $69 a month for liability or $153 for a full coverage policy for the 2013 Toyota Scion XD.

MetroMile offered the most affordable policy we found, with rates as low as just $27 per month.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

2012 Toyota Scion XD Car Insurance

2012 Scion XD drivers can expect to pay an average of $59 monthly for liability or $143 for full coverage.

With prices as cheap as just $26 per month, AnswerFinancial offered the cheapest policy we found for the 2012 Toyota Scion XD.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2011 Toyota Scion XD Car Insurance

On average, drivers who own a 2011 Toyota Scion XD can expect to pay $72 to $134 a month for liability only and full coverage car insurance, respectively.

With rates sometimes as low as $26 monthly, Infinity offered the most affordable policy we found.

What will your insurance premium be? Just enter your ZIP code below to get several free customized quotes.

2010 Toyota Scion XD Car Insurance

The average cost to insure a 2010 Scion XD with liability only coverage is $68 per month, while full coverage runs around $138 a month.

MetLife has premiums sometimes as cheap as $26 monthly for the 2010 Toyota Scion XD.

If you want to know exactly how much you can expect to pay for your Scion XD, just enter your ZIP code below and get several free quotes in minutes.

2009 Toyota Scion XD Car Insurance

You can expect full coverage for a 2009 Toyota Scion XD to run about $152 per month, while liability only coverage will average around $67 monthly.

We found Mercury offered the lowest policy, with rates sometimes as little as $18 a month.

While these are good estimates of what the average driver might pay to insure a 2009 Toyota Scion XD, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2008 Toyota Scion XD Car Insurance

The average cost to insure a 2008 Scion XD with liability only coverage is $85 monthly, while full coverage runs about $151 per month.

If you're looking for the cheapest possible 2008 Toyota Scion XD insurance policy, Liberty Mutual offered the most affordable policy we found, with rates sometimes as low as $21 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

Toyota Scion XD Insurance FAQs

Is a Toyota Scion XD expensive to insure?

Liability insurance runs an average of $74 per month, while full coverage will cost you around $146. The Toyota Scion XD is relatively cheap to insure compared to the average car.

How can I get the best price on car insurance for my Toyota Scion XD?

There's only one way to confirm you're getting the cheapest rates -- checking prices regularly and comparing quotes from a bunch of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole range of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota Scion XD affect my insurance rates?

Have you heard that it costs more to insure red cars than silver or white ones before? Well, that's actually not true. Although there are many factors car insurance carriers consider when they offer you a premium, the color of your vehicle is not on that list.

Do I need to have insurance before I buy a Toyota Scion XD?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) Toyota Scion XD off the dealership lot. Some dealerships will offer you a car insurance policy as part of the buying process, but your best bet is letting your insurance company know beforehand.

What car insurance discounts can I get for my Toyota Scion XD?

There are all sorts of discounts out there for car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are based less on your Scion XD and more on you, but if your Scion XD has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, reach out to your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.